<prompt> Human: I went in to pick up a new debit card and the lady told me I have been pre approved for a chase credit card. I have been considering getting one since I am only 22 and using it to build credit. I only want one because I do not believe in spending money that I dont have but I need to build credit. What exactly does it mean to be pre approved and is the Chase Freedom card any good?  <response>: Based on the information they chase has available on your, youre likely to be approved if you apply for the Chase Freedom. All credit cards build credit at the same pace and it sounds like youll use it correctly, so if you dont already have a CC but have been wanting one to build credit this might be a good option. 