Originally Posted by Aviator (Post 11591008)

Read the fine print, often these offers are subject to approval and qualification, so it may not be a cut and dried approval.

Our cards cost us quite a bit each year, the benefits outweigh the costs. Interest rate only matters if you carry a balance.

Be careful about e-mailed offers. Banks usually only e-mail through secure messages on your account or send card offers in the mail.

Check the message header and IP address to see where it came from.

Credit rating is not so much affected by how many cards you have, more so how many bureau checks are done over a given period, how much credit you have available to you proportional to your income, your bill payment history and any black marks on your bureau file.