There are many things that can bind together to form your credit report.  Credit Card Offers is one of them.  Why?  Because, the quality of the credit cards you are taking on are going to directly affect how well you pay them.  This is going to be recorded by consumer credit bureaus, and is going to add up to be your credit score.  Those who choose good credit cards are more likely to begin their financial journey n a firm foundation.  Why?  Having good cards is going to allow the borrower to have a better payment plan and interest rate to begin with.