It says on the back " Pre-screen and opt out notice: This "prescreen" offer of credit is based on info in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable collateral.
Until I played one of the Carmen games from 1995 with Lynn Thigpen, and I found a note left behind from one of her agents, I didn't realize that Carmen pays her people too Lol