New Delhi, June 13 -- Being a bank customer, you must have received communication from various channels mentioning that you are pre-approved for a credit card. You must have got this communication through SMS, phone calls, WhatsApp messages, emails, mobile app notifications, and even your net banking. In this article, we will discuss what are these pre-approved credit cards, their benefits, and whether you should apply for them.

A pre-approved credit card is an offering from a bank mentioning that you are approved for a credit card even without you having applied for it. Banks usually send pre-approved credit card offers to their existing customers. As a customer, depending on the time you have spent with the bank, the balance you have m...