Customers prefer to receive offers for credit cards through direct mail rather than the internet, a survey conducted in America has found.

The Cardbeat report, a monthly study conducted by Auriemma Consulting Group, found that 60 per cent of customers said they would apply for a credit card through a pre-approved direct mail offer.

About 42 per cent of Americans signed up for credit cards after receiving a pre-approved offer in the post, which was a higher response than those to the internet and television.

However, the report compared results with attitudes to direct mail in the UK and found that people across the pond were less likely to obtain a card without researching their options first.

Kelly Shermack of Cardbeat said: “Credit card penetration in the UK is not as high as it is in the US because British consumers may be more proactive in researching and obtaining card offers.”

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