When consumers get notices in the mail about being pre approved for a credit card, it does not mean that they will be approved if they mail in the form. Credit card companies get consumer information from credit bureaus and then they solicit that consumer. This helps credit card companies so they don't waste money just sending out pre approved card offers to everyone. Some may send pre approved credit card offers to those with bad credit even though they may not be able to get approved.

The good news is that even though credit card companies look at credit reports to decide who to send a pre approved credit card offer to, it will not have an impact on your credit unless you apply for the credit card.

If you have good credit, Discover has great credit cards with good terms, cash back features, and many card designs to choose from.