<prompt> Human: I joined credit karma and my husband gives me money which I use pay off my loansmanage the bills in both of our names. He is bringing in 35k a year, so we arent rich. Are these credit card offers real? Im tempted to get the American Express one that offers 50 000 miles bonus if you spend 1000 in 3 months, 0 APR for 18 months. I would use it to pay our rent, pay it off and then close the account after a certain amount of time. My credit score is a little over 700 which is good but not fabulous. I dont want to apply if I will get rejected due to the ding it would cause on my credit report.  <response>: The offers are normally real, but just because you are pre-approved doesnt mean you will always get the card. Even if you apply and get the card, it will temporarily ding your credit score. 