Based on profiling. Profiled data field from your usage would allow them to statistically narrow down the probability that you would qualify for a pre-approved card. Even the word pre-approved is a misnomer, as it is still subject to approval (the fine print).
How is Mint.com able to offer users pre-approved credit card offers?
How can someone with no credit use a high income to build credit more quickly?1 ansIn what ways could companies like Experian and Equifax be disrupted?1 ansDo any financial institutions consider your prior credit or payment history when relocating to another country?1 ansDo Pakistani banks maintain internal credit scores for customers?1 ans