Credit card companies use information from credit reporting companies to make firm offers of credit to consumers whose credit histories meet the criteria selected by the card company (for example, a minimum credit score). This does not mean the credit card company must provide you with a credit card. You must still apply and be approved.

Once you apply, the card company can review your application and other information, such as an updated credit report, to determine whether your credit history still meets the criteria it used to send you the offer and whether you meet any additional criteria (such as sufficient income to pay the debt) that were in place at the time it made the offer.

Card companies also may get your name from other sources and send you invitations to apply for a card.