I am a college student. It think it just says you are invited to apply. Anyways I asked my mother in law what she thought and she told me to go ahead and apply. I did, but was denied. I really think that I will not apply for anything else for a long while. I get invitations to apply for the Orchard Bank secured card. I think I will save up a decent deposit amount and apply for that one because I hear it is just a soft inquiry. After I get the Orchard Bank card I will just use it long enough for some of these inquiries to fall off before I apply for anything else.