I was invited to apply in the mail and I have questions

How does it work?

If you received an invitation in the mail letting you know that you’ve been pre-approved for the Petal card, that’s great news! It means you met the criteria to qualify and the Petal card may be a good fit for you.

To get the Petal card, you’ll still need to submit an application. Just go to www.petalcard.com/invite and enter your unique invite code and last name. By entering your invite code, you’ll unlock the APR on your mailer.

Did getting pre-approved affect my credit score?

Don’t worry—receiving a pre-approval didn’t hurt your credit score. A soft inquiry on your credit report was pulled to see if you meet the qualifying criteria, but a soft inquiry doesn’t affect your credit score. Your credit score may be affected if you decide to submit an application for a Petal card, at which point we’ll perform a hard inquiry on your credit report.

I got an offer in the mail that says I’m pre-approved. Do I automatically get the Petal card? Can I still be declined?

Being pre-approved means you’ve met the initial criteria for this offer, but it doesn’t mean that you’ll automatically get approved—you still need to submit an application, so it can be confirmed that you meet our full eligibility criteria.

Failing to be approved after submitting your application may happen for a number of reasons, such as a major change to your credit report over the past 30 days.

Does this offer expire?

Yes. If you received an invitation to apply, the offer will expire on the date that is printed on your invitation. Once that date passes, you can still apply for a Petal card—just go to www.petalcard.com and click Apply now. However, if you’re approved through the standard application, the APR you receive is not guaranteed to match the offer on your invitation.

My husband/wife/family member received an invitation to apply. Can I use their code to get a Petal card?

No, your invite code is unique to you! The only person that can use the code is the person listed on the invitation.

I don’t have an invite code. How do I get one?

You'll only be able to get an invite code if you received an invitation to apply in the mail. If you didn't get one, you can still apply for a Petal card by going to www.petalcard.com and clicking Apply Now.

I don’t want to get any more offers like this. How can I unsubscribe?

If you’re not interested in receiving prescreened offers of credit, you can opt out of receiving them by calling toll-free 1-888-5-OPT-OUT (1-888-567-8688) or by visiting optoutprescreen.com.