Touching more upon Merediths' response in another thread and having seen similar in increasing number here and elsewhere, it is obvious that the word has gone out to the general mass of consumer's, who having been burned previously, realise how harmful to one's credit score these PHONY "pre-approved" offers are. Now with the actual credit scores and explanations available shortly it will hit home in black and white the huge penalty these inquiries extract. Leading to far fewer people filling out these apps and GAMBLE on their credit future. So what will be the creditor's response? Currently I see a wave of persons running affliates coming on to sites like these and flat out LYING about how EASY it is get approved for prime and PREMIUM cards, yes even with bad credit so the spiel goes. The reality is its all lying SPAM, not once has any of these spamsters ever returned to answer any questions about their programs. For all they concern themselves with their commission for each application, they could care less if every last person is declined for as you damage your credit score their enriching their pocketbook. Now I realise some here with their perfect credit history and 730+ credit score will insist that they always get approved. So I'll make it simple will all those with scores above 700 please raise their hands, the other 98% of you must live with the fact that PRE-APPROVAL = NEGATIVE INQUIRY = DAMAGED CREDIT SCORE Personally, I apply for nothing on-line (the worst option), ignore all pre-approved TRASH, and attempt either by phone or in person at a branch with current credit files in hand to convince the rep/officer to grant me the tradeline.