Home Trust Preferred cashback VISA, no-AF, no-FTF
It says benefits like this and then it mentions, special offer : a pre-approved Preferred Visa * Card.
Then at the end it is asking me to apply for this card, either by mail, by phone or online. I checked the form send in mail, it has my consent to check credit bureau.
I checked online and it is also asking for all information and asking to apply for this card.
I am confused if it is pre approved or not ?
And, is it good card to add on my credit utilization ?