May 25, 2022 · Sam’s Club Plus membership costs $100 per year (although Sam’s sometimes offers a one-time price of $40 to join), with up to 16 additional accounts addable for $40 each. With BJ’s, the costs are very similar. To increase your chances of getting a pre-approval, you should have a credit score of at least 600-620, no late payments or delinquencies for at least a year, only 2 hard inquires during the last six months and no recent derogatory items or collections on your credit report. Annual Fee: $0-$72.Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ... See if you prequalify for a Sam's Club credit card. Get a decision in seconds with no impact to your credit bureau score. See if You Pre-Qualify Shop more, earn more Sam’s Cash™ with a Sam’s Club® Mastercard®. 5% back on gas.** (on the first $6,000 per year, then 1% after) 3% back on dining** 1% back on other purchases.**For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods.No annual fee. Sam’s Cash. No. 2% cash back for qualifying purchases; members can redeem cash rewards for store credit or cash. All members (Club, Plus, and Sam’s Club Mastercard cardholders – not a regular credit card) earn Sam’s Cash on gas, dining, and other purchases. Cashback. 1% at Sam’s Club. 3% at Sam’s Club.For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. Sam's Club Credit Online Account Management. Not sure which account you have? click here. Credit Account Type Lookup. Account Number: ©2020 Synchrony Bank ...Helping people access everyday needs. Sunbit technology is used by thousands of people every day to pay-over-time for unexpected expenses. It’s designed to approve 90% of people who apply with fair, transparent rates and no late fees, origination fees, or penalties. Sunbit is the kind, kind of payment. Find Sunbit Near You. Applying made easy: The Sam’s Club Mastercard is now available to apply for in all in-Club and digital channels including: at member services, at the point of sale – including through Scan & Go; on Sam’s Club Mobile App, SamsClub.com, Text-to-Apply, and Self-Checkout enabled with Synchrony’s patent-pending dApply technology, API’s, and the Synch... When you spend between $500 and $999 per month, you’ll receive a rebate of 30-cents per gallon. Even if you spend less than $500, you’ll still get a 10-cent rebate per gallon. Once you’ve accumulated a minimum of $25 in rebates, you’ll get a cash card to be used for any future Marathon purchase.If you’d like to be buried in either of these Department of the Army cemeteries, please call 877-907-8585 ( TTY: 711 ). We’re here Monday through Friday, 8:00 a.m. to 5:30 p.m. ET, and Saturday, 9:00 a.m. to 1:00 p.m. ET. Getting a pre-need determination of eligibility doesn’t guarantee you’ll be buried in a specific VA national cemetery.We would like to show you a description here but the site won’t allow us.See if you prequalify for a Sam's Club credit card. Get a decision in seconds with no impact to your credit bureau score. See if You Pre-Qualify Shop more, earn more Sam’s Cash™ with a Sam’s Club® Mastercard®. 5% back on gas.** (on the first $6,000 per year, then 1% after) 3% back on dining** 1% back on other purchases.**Mortgage pre-qualification is a review of your self-reported income, debts and assets by a lender to determine how you may be able to afford, the loan amount they may be willing to let you borrow based on their requirements and the loan programs available to you. Getting pre-qualified for a mortgage is optional and often considered the first ... Excellent consumer credit card - 10* for sure... Credit Karma Member. Started with 2K credit when my scores were high 500s and some low 600s some 3+ years ago. Not upgraded to MasterCard yet but contacted Synchrony today 10/02/21 about any possibilities of CLI out of curiosity and boom ... Sams Club ( Synchrony ) instantly tripled it to 6K.At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Feb 17, 2023 · The steps to prequalify for a personal loan may vary by lender, but here is what you can generally expect: 1. Complete the prequalification form. The lender will ask for some basic information ... If you’d like to be buried in either of these Department of the Army cemeteries, please call 877-907-8585 ( TTY: 711 ). We’re here Monday through Friday, 8:00 a.m. to 5:30 p.m. ET, and Saturday, 9:00 a.m. to 1:00 p.m. ET. Getting a pre-need determination of eligibility doesn’t guarantee you’ll be buried in a specific VA national cemetery.This allows Comenity Bank to flag the application as pre-approved. Comenity Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that you have a 90% chance of getting approved if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft pull. But if you decide to apply ...The Ann Taylor Mastercard earns 5 rewards points per dollar spent with Ann Inc. stores. For every 2,000 rewards points or $400 spent online or in-store, you’ll get rewarded with a $20 rewards card (5% back). Your first purchase made outside the Ann Inc. family will also trigger a $20 rewards card.We would like to show you a description here but the site won’t allow us.RV loan rates are generally below 36%, but they can be much lower if you have a good credit score, little existing debt and high income. Unsecured loan rates start around 6%, and your rate is ... Jul 20, 2023 · Benefits of the Sam’s Club Card. Image Credit: Sam’s Club. With the Sam’s Club card, cardholders can earn several benefits: Earn 5% cash-back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1%) Earn 3% cash-back on dining. Earn 3% cash-back on Sam’s Club purchases for Plus members (otherwise 1%) Earn 1% cash ... Nov 13, 2019 · You get 5% back on the first $6,000 per year on fuel purchases, including those at Sam’s Club locations. After $6,000, the fuel cash back drops to 1%. You get 3% back on qualified travel and dining purchases. You earn 1% back on any other purchase. There are no foreign transaction fees or annual fees for this card. Nov 18, 2015 · If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card). Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ...Oct 19, 2021 · Apart from this, you will need to be at least 18 years old and have a social security number. You will need to prove a source of income in order to get approved for a credit card. If you do not have an income from a job or government benefits, consider opening a card with someone else who is qualified. The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).Sep 6, 2023 · A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit. SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ... For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. Applying made easy: The Sam’s Club Mastercard is now available to apply for in all in-Club and digital channels including: at member services, at the point of sale – including through Scan & Go; on Sam’s Club Mobile App, SamsClub.com, Text-to-Apply, and Self-Checkout enabled with Synchrony’s patent-pending dApply technology, API’s, and the Synch... RV loan rates are generally below 36%, but they can be much lower if you have a good credit score, little existing debt and high income. Unsecured loan rates start around 6%, and your rate is ...Make it possible with the Disney Premier Visa Card. $300. New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening. 1. This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.Start with research. When eyeing government trucking contracts, the first thing you have to do is to start with research. At any given time, government agencies may procure anything from town cars to paper towels. The key is to make sure that you are able to move what the government is looking for so that you can successfully bid on the contract.Sep 4, 2023 · Written by: Eric Bank. Edited by: Lillian Guevara-Castro. Reviewed by: Ashley Fricker. Updated: August 30, 2023. In this review of pre-approved credit cards by issuer, we describe how to get a credit card with a minimum of fuss. We look at the pre-approval processes of five major card issuers: Capital One, Chase, Discover, American Express, and ... We would like to show you a description here but the site won’t allow us.This allows Comenity Bank to flag the application as pre-approved. Comenity Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that you have a 90% chance of getting approved if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft pull. But if you decide to apply ...SHOP NOW. 0% APR for 48 months on eligible TVs ⊕. SHOP NOW. 12 months financing on home appliances †. SHOP NOW. 6, 12 or 24 month financing terms on orders over $50 or more ±. SHOP NOW. ⊕ 0% APR for 24, 36, 40 or 48 Months with Equal Payments: Available on purchases of select products charged to a Samsung Financing account. Show More. Make it possible with the Disney Premier Visa Card. $300. New Cardmembers can earn a $300 statement credit after spending $1000 on purchases in the first 3 months from account opening. 1. This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).Online: You can apply online through the Sam's Club application web page. Next, fill out the application and review the information and the card’s terms and conditions. Then, click submit. In person: Visit one of your local Clubs, fill out an application, and hand it over to a customer service representative for processing.The Capital One® Walmart Rewards™ Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted. The Walmart Rewards™ Card can only be used for Walmart purchases (Walmart.com, in the Walmart App (s), in stores, and at Walmart and Murphy USA Gas Stations).For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit.At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ...Pre-approval offers can be delivered by physical mail or email, or provided verbally through a phone call. A pre-approval offer suggests you've passed the first step in the screening process. But remember — you can't actually be approved for the card unless you apply. You may seem like a promising candidate, but the lender will likely want ... The Sam's Club Mastercard is a decent credit card that can be especially rewarding for Sam's Club Plus members. The Sam's Club Mastercard also provides a best-in-class option for gas purchases (5% up to $6,000 per year). However, if you're not already a Sam's Club member, you should pass on this card. Though it doesn't charge an annual fee, it ...Credit Application Login - Sam's Club. Skip to main content. Skip to footer. Help center.As of June 23, 2023, users can go into their registration in SAM.gov and select from the most recent socio-economic categories. May 26. Changes to the Purpose of Registration (POR) Page in SAM.gov. Effective May 26, 2023, SAM.gov has updated the way you select your purpose of registration. When you start a new entity registration or update an ... For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card).Sep 6, 2023 · A variable APR of 20.49% - 29.24% on balance transfers and purchases after the introductory period ends. Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. Raise your credit limit. 1 day ago · 1.5 / 5. The Home Depot Credit Card is a $0 annual fee store credit card for people with fair credit or better. Because the Home Depot Credit Card does not offer regular rewards, its main benefits are a first-purchase discount and deferred interest financing promotions. Aug 4, 2023 · You can check for Synchrony Bank pre-approval online for certain credit cards by visiting the affiliated brand’s website before applying and filling out the required information. Generally, checking for pre-approval will help you assess your approval odds before submitting a credit card application. Just keep in mind that not all Synchrony ... Aug 8, 2023 · So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card. Prosper: Best for borrowers with good credit. Overview: Since its inception in 2005, Prosper has funded over 1 million personal loans that range from $2,000 to $50,000 and have APRs that start at ...January 2, 2023 • Credit Cards. If you currently have a store credit card or have thought about getting one, there’s a good chance that it’s from Synchrony Bank. With more than 85 years of experience in the financial services industry, Synchrony partners with well-known retail brands across the country. Jun 21, 2023 · Before you can bid on government proposals, you need to get a Unique Entity Identifier (UEI). A UEI is a unique 12-character, alpha-numeric value. You will receive a UEI when you register with SAM at SAM.gov. Entities doing business with the federal government must use the UEI created by the system. For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods.Start with research. When eyeing government trucking contracts, the first thing you have to do is to start with research. At any given time, government agencies may procure anything from town cars to paper towels. The key is to make sure that you are able to move what the government is looking for so that you can successfully bid on the contract. If you're able to get the Sam's Club MasterCard, it's a very sweet card... 5% cash back on gas, 3% for restaurants and travel, and that's in addition to the benefits of the 'regular' Sam's Club Credit account, also known as the PLCC (private label credit card).Ink Business Preferred® Credit Card. $5,000 minimum with user reports of $100,000. Ink Business Unlimited® Credit Card. $3,000 minimum with user reports of $75,000. The best high limit credit ...To increase your chances of getting a pre-approval, you should have a credit score of at least 600-620, no late payments or delinquencies for at least a year, only 2 hard inquires during the last six months and no recent derogatory items or collections on your credit report. Annual Fee: $0-$72.A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and credit to determine an approximate loan amount you may be able to borrow. To pre-qualify for a mortgage means you meet a lender’s general guidelines based on the information you provide. Keep in mind, lenders may use different criteria to ...10% back in rewards: *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account ... Mar 7, 2023 · Forbes Advisor estimates that the household has $36,177 in expenses that can be reasonably charged to a credit card. At 2% cash back, the Synchrony Premier World Mastercard would earn $723.54 cash ... Ultimate Support MDS-100 Modular Device Stand. $67.99. Ultimate Support MC05 Round Base Straight Microphone Stand. $40.99. Ultimate Support MC-40B Pro Microphone Stand. $52.99. Ultimate Support MC-40B Pro 3-Pack Mic Stand with Boom, Black. $129.99. Ultimate Support Nucleus-Z Navigator Fully Expanded Workstation Desk. We would like to show you a description here but the site won’t allow us.Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ... 10% back in rewards: *Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit with your Best Buy Credit Card. If you apply and are approved for a new My Best Buy® Credit Card, your first day of purchases on the Credit Card using Standard Credit within the first 14 days of account ... Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...Prosper: Best for borrowers with good credit. Overview: Since its inception in 2005, Prosper has funded over 1 million personal loans that range from $2,000 to $50,000 and have APRs that start at ...In terms of standard ongoing rewards, the Sam’s Club Mastercard offers a stellar 5 percent cash back on gas (up to $6,000 per year, then 1 percent), as well as 3 percent back on dining ($5,000 ...SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ...Sam's Club Credit Online Account Management. Not sure which account you have? click here. Apr 21, 2023 · Online: You can apply online through the Sam's Club application web page. Next, fill out the application and review the information and the card’s terms and conditions. Then, click submit. In person: Visit one of your local Clubs, fill out an application, and hand it over to a customer service representative for processing. Unlimited Cashback Match. Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically. 1 There is no limit to how much we'll match. 0% Intro APR † for 6 months on purchases. Then 18.24% - 27.24% Standard Variable Purchase APR will apply.Apr 9, 2023 · At Lowe’s, you will need a minimum credit score of 620 based on the FICO system. If your credit score is lower than 620, you won’t be able to apply for a card with Lowe’s – but there are options! Luckily, FICO Scores are updated regularly to reflect consumer practices and financial status shifts. Repairing your credit score before ... Jan 5, 2023 · Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site. Jan 10, 2023 · These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ... A mortgage pre-qualification is the process where a lender reviews your self-reported income, debts and credit to determine an approximate loan amount you may be able to borrow. To pre-qualify for a mortgage means you meet a lender’s general guidelines based on the information you provide. Keep in mind, lenders may use different criteria to ... Capital One VentureOne Rewards Credit Card. Finder Rating: 3.5 / 5: ★★★★★. Up to 5x miles. $0. 0% intro for the first 15 months (then 19.99% - 29.99% variable) Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees. Go to site.
If you’d like to be buried in either of these Department of the Army cemeteries, please call 877-907-8585 ( TTY: 711 ). We’re here Monday through Friday, 8:00 a.m. to 5:30 p.m. ET, and Saturday, 9:00 a.m. to 1:00 p.m. ET. Getting a pre-need determination of eligibility doesn’t guarantee you’ll be buried in a specific VA national cemetery.. D ary heap
We would like to show you a description here but the site won’t allow us.Aug 8, 2023 · So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card. By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. It also gives you the right to receive the ...Jan 13, 2023 · This allows Comenity Bank to flag the application as pre-approved. Comenity Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that you have a 90% chance of getting approved if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft pull. But if you decide to apply ... Apart from this, you will need to be at least 18 years old and have a social security number. You will need to prove a source of income in order to get approved for a credit card. If you do not have an income from a job or government benefits, consider opening a card with someone else who is qualified.For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. Apr 21, 2023 · Online: You can apply online through the Sam's Club application web page. Next, fill out the application and review the information and the card’s terms and conditions. Then, click submit. In person: Visit one of your local Clubs, fill out an application, and hand it over to a customer service representative for processing. So this Sam’s Club credit card is best when used only for those bonus categories. After all, 1% is just the market average for a cash back card. No annual fee & no financing appeal. Neither Sam’s Club credit card charges an annual fee, which saves you $21.5 per year relative to the average credit card.What's required to apply for the Sam's Credit Card? Must be a current Sam’s Club Member. Must be a U.S. Citizen. Apply in the club or at https://www.samsclub.syf.com . Where can I use my Sam’s Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill?For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods. Home Depot Consumer Credit Card. The Home Depot Consumer Credit Card * is a store card, meaning it can’t be used outside of Home Depot. The card offers six months of special financing on ...The Sam Ash Card makes it easy to get the gear you want today and then pay over time with convenient, monthly payments! Choose from thousands of products from your favorite brands. Applying for the card is quick, easy and safe. Just select the "Apply For The Sam Ash Credit Card" option as your method of payment during checkout or you can apply ...SYNCHRONY PREFERRED MASTERCARD®. Spending Power. Enjoy the extraordinary reward of earning 2% cash back on every purchase*. Your cash back is unlimited and gets credited to your statement every month, automatically. Enjoy Mastercard World Benefits like ID theft protection, Mastercard Travel and Lifestyle Services, Priceless® Experiences, and ...These are the steps to take when you are prequalifying for a personal loan: 1. Check your credit score. Check your credit score before applying to determine which lenders are likely to consider ...Feb 23, 2023 · Visit the Home Depot® Credit Card pre-qualification page. Enter your name, email address, phone number, and the last 4 digits of your Social Security number. Click the “Continue’ button and see if you are pre-qualified. To respond to a pre-approved offer in the mail, visit the issuer’s pre-approval page and enter the invitation code ... .