Pre-Approved offer for a card that doesn't exist?

[myjourney]

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@Anonymous wrote:

OK, I was under the impression that there were a specfic set of cards and the rates and limits varied based on the applicant. Does this mean I can assume banks can "customize" cards as they see fit for specific people or groups of people?

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Yes, they do it all the time....you may fit group A where the terms may be 17% APR and $0% for 12 months VS Group B that's offerd 22%APR $0%  6 months 

[Anonymous]

So, my recent payments posted and I applied for the card. I was approved with a $2k limit! This is very good as now my total available credit almost doubles ($2800>$4800) Now my UT will not be quite so volatile. The one interesting thig I noticed is I had received a mailed offer and then an emailed one a week or so later. The emailed one had a slightly higher APR and that's the one it went with. Not a huge deal as my APR's are high as it is.

[Anonymous]

They're the lender they can do what they want as long as it's legal.  I've seen mailed offers for the Platinum with 0% APR for 12 months. 

Congrats!