Does the Fit Mastercard have pre-approval? This question is about the FIT® Platinum Mastercard®

Does the Fit Mastercard have pre-approval?

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This question is about the FIT® Platinum Mastercard®

Chip Lupo, Credit Card Writer

@CLoop • 07/14/22 This answer was first published on 07/14/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the Fit Mastercard does have pre-approval. Continental Finance actually requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for a Fit Mastercard means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.

Fit Mastercard pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Fit Mastercard, Continental Finance will conduct a hard inquiry, which will lead to a slight but temporary decrease in your credit score.

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Can I use my Fit Mastercard anywhere?

Yes, you can use your Fit Mastercard virtually anywhere in the U.S. and internationally. It is a Mastercard and millions of merchants in more than 210 countries and territories take Mastercard.

Keep in mind that some stores and other merchants (like vendors at a local fair, for example) might only take cash. Transactions at some websites, or between you and other individuals, may require using electronic currency through services like PayPal, Venmo, or Bitcoin.

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What credit cards can I pre-qualify for?

To find a list of cards that you qualify for, check out WalletHub's free CardAdvisor tool.

It looks at things like your credit score & credit history, what you need the card for, etc. and give you a custom list of credit cards, tuned specifically to your needs & possibilities.

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What's the difference between pre-approved and pre-qualified credit cards?

Pre-approved and pre-qualified credit card offers both indicate that a potential applicant is likely to be approved, but they are used in slightly different situations. Being pre-approved means the issuer sent you an offer, while pre-qualification usually means you checked your approval odds through the issuer’s website. However, the terms are often used interchangeably.

Both pre-approved and pre-qualified credit card offers have no effect on your credit standing, as issuers only use a soft pull...

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