I was suspicious of a credit card offer pre-approved up to $15,000, since I have very bad credit!
So I got online and searched for Capital Credit. Sure enough, someone else had already filed a report on them. This is the language they use in their offer: "You my use your gold card immediately upon receipt for all purchases from credit provider." —This was what tipped me off, and sure enough, the other person who reported them said that for $44 they send you their catalog and a card that works only for their catalog.
Anyway, this is all to say: READ THE LANGUAGE in any offer you get.
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