Q: Should I apply for credit card offers I receive in the mail, or is it better to find an offer on my own? Am I more likely to be approved for the mail offer?
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.
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