Legal Question in Credit and Debt Law in Florida

Re: Banking and credit cards

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

The simple offer from a lender to issue a credit card does not affect your credit. You and your wife have to be disciplined enough to know that you will not qualify and therefor not return the "prequalified" application to them. When they run your credit history to determine whether or not to actually issue credit to you is when your credit score is affected. When these offers comes, simply rip them up and toss them out before you or your wife get tempted to respond to the credit card company.

Scott R. Jay, Esq.