Quick question, as dumb as it may sound Does this mean I am already approved, or should I just trash it? -Sal
No, they will check your credit and sometimes they will denied based on credit history. They got your name from credit bureau. You will see one Promotional Inquiry from one of the three credit bureaus. Ron.
Now that you've received the ATT Universal Card pre-approval, get ready for a bunch of Citi pre-approvals.
You have a very good shot. As long as your credit hasn't gotten worse since they did the promotional review, you'll get the card.