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Added July 5, 2010 from: Mike Killian
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 Mike Killian
Answered By Mike Killian:
You ask a very good question without a lot of solid answers. It all depends: you really need to research exactly what you are looking for, and then choose the best offer from either an unsolicited offering or your own research. The general answer to your question is that you are probably wiser to find a card on your own. But with every rule come countless exceptions.

Here is a case in point: If you are seeking a card which offers good gas rebates and you receive an offer for a 5 percent gas rebate credit card with low interest and no annual fee, you would probably be foolish to pass it up. Similarly if you are simply looking for a generic card and a favorable one presents itself, you might strongly consider it. If however all it has is a low APR for a temporary period and not much else, shop around for what you are specifically seeking.

This question is about:  Credit Card Approval
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