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If you eventually follow through with a credit card application, that hard inquiry will show up on your credit report and has the potential to lower your credit score.

Pre-qualifying for a credit card doesn’t guarantee approval.

If you’re not responsible with the credit card, i.e.

you miss payments or max out the card, the cosigner’s credit is affected, too.

You’re more likely to get approval from the "closed-loop cards that do not have a Visa or Master Card brand.

You won't be able to use the credit card outside that particular store, but it will give you a chance to jump start your credit history.

Beware: retail store credit cards have low credit limits and high interest rates.

You must have sufficient income to repay your credit card balance, especially if you’re under age 21.

The income you put on your credit card application must be your own – you can’t use the income of your parents, spouse, or other household members to qualify for a credit card unless you have reasonable access to that money.

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