<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by prncess674:
Every credit card offer you receive in the mail is reported on your credit report but does not affect your credit score.</font>
However, this is not always true. Promotional offers, even those including "pre-approved" offers are reported on your credit report, but at least with Equifax and Experian these are listed as PRM for promotional. No bank or lender can see the lines noted as PRM, only you can when you get a copy of your credit report. Of course if you return the application then it does become viewable. I am not sure if this holds true for all credit agencies.
Cheers.