Today's pre approved mail offers...

For just about anything you want to get off your chest about credit cards.
MemberSince99
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Postby MemberSince99 » Sat Mar 29, 2014 4:10 pm

JoDa that was great! I will have to remember that!!!! Though I typically don't answer the phone if I don't recognize the number and let it go to voice mail. Those people never leave messages so problem solved.


MemberSince99
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Once the flood gate opens it doesn't close does it

Postby MemberSince99 » Sat Mar 29, 2014 4:12 pm

All of last year I got like one or two mailed offers.


This week three alone - 2 from Citi and one from Chase. I have no idea what cards I haven't opened them.


I sure don't need any more credit cards right now. And let's be honest - Citi would likely decline me for too many inquiries anyway plus I am not carrying a balance on a revolver so they'd also decline me for that. Good thing I'm not looking for new cards, though I'll read their offers just to see what they are.

JoDa
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Postby JoDa » Sun Mar 30, 2014 6:34 pm

I just went through a huge stack of mail and shredded in preparation to move (not only is shredding more secure, but shredded paper makes excellent packing material), and BOA is hitting me HARD. I already have a card with them, but I realized going through that stack that they're sending me weekly offers. I won't promote gardening, but I also have no use for another card. I'd probably never make the minimum spend to get the bonus...

With the mortgage and other stuff going on, I've had to answer numbers I don't recognize recently. They also sometimes call my work phone where it could be a real call. Once I'm done screwing with them I turn the number over to security since it's illegal to make telemarketing calls to government numbers.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

JoDa
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Postby JoDa » Sun Mar 30, 2014 8:11 pm

Also, I should note, if you live in a city and want to ditch your personal ride, Zipcar is GENIUS (no, I don't work for them, just a loyal, satisfied customer)! I spend about $600/year renting cars for everything from grocery store runs to hardware pickups, and it's super-convenient that I can get whatever car I need when I need it, gas and insurance included, for a fraction of what I was spending owning a car (seriously, that's LESS THAN HALF of what I was spending on insurance alone). With the impending move, I've realized just how awesome the flexibility is. I have a Mazda hatchback booked next weekend to do a Goodwill and bulk disposal run and a pickup booked to do some initial moving. And because I only need each of those cars for a few hours, I'm not paying a full-day rental rate or getting the bigger vehicle for the whole day, just what car I need for what hours I need it. Yes, it's more expensive than a daily rental if you need it all day, but saves if you only need it for a few hours. Bonus that they have permits that allow me to park anywhere in the city FOR FREE (I don't even have to pay meters if I park in a metered spot, and can park in any residential area).
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

MemberSince99
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Postby MemberSince99 » Sun Mar 30, 2014 9:29 pm

I've never heard of Zipcar before seeing you talk about it is the first I've heard of it. But I'll remember it if the slimebags call and also if I need a car. Though more than likely I'd need an all day vehicle if I need one.

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Postby JoDa » Sun Mar 30, 2014 10:56 pm

They're mostly in major cities and on college campuses where a lot of people don't own cars. Their motto is "wheels when you want them," and that's truly what they're for. They *offer* daily rentals, but they're more expensive than renting from your big rental guys for that. They're not even for someone who needs the occasional rental of something other than what they own since they charge a $60/year membership fee unless you commit to rent a certain number of hours a month (which they charge you for upfront). They're for people like me (and other big city residents and college students) who don't own a car but need one once or twice a month for a few hours to run to the grocery store or hardware store or move some stuff. I also use them when I vacation in other major US and Canadian cities if I want to venture out of the city for a few hours. Super-awesome for that stuff, not so much if you own a car and need an SUV or pickup for a day once in a blue moon (and especially not if they're not near you...we have 15 Zipcars in my neighborhood, but there's no point in traveling to get one).
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

darkguy2
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Postby darkguy2 » Sun Mar 30, 2014 11:22 pm

They have them on my campus and I think they offer a special discount for students. $25 a year and no application fee plus $35 in credit.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

Matthew12
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Postby Matthew12 » Mon Mar 31, 2014 2:03 pm

Capitol One has sent me an offer three times in the last two weeks. I am starting to wonder if I might have accidently signed up somewhere and I did not even realize that I was going to get bombarded with pre-approved messages. Still waiting to see if my Amex information is going to come through.

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nismoZtuner
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Postby nismoZtuner » Mon Mar 31, 2014 5:59 pm

Matthew12 wrote:Capitol One has sent me an offer three times in the last two weeks. I am starting to wonder if I might have accidently signed up somewhere and I did not even realize that I was going to get bombarded with pre-approved messages. Still waiting to see if my Amex information is going to come through.


well i`m sure it has to be from visa or something on my part. Because after I was approved for my Marriott Visa Signature card and seeing that my last names where put together I have been getting some offers with the names together. and like i said that was after getting the Marriott card..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

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nismoZtuner
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Postby nismoZtuner » Fri Apr 25, 2014 5:52 pm

awww man.....

I went home for my lunch break and look at what was on the table! ALL TOADY'S!

Image


Somehow Crapital One keeps on sending me heavier(weight) envelopes!!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22



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