MemberSince99 wrote:I wonder what it is that triggers the softs in the first place. I mean I seldom see companies soft me, actual card companies, that is. Citi never has, nor has Chase, not even Discover. (Chase did as part of an AR recently but they do that once you get their card, prior to that, never in terms of a PRM soft).
They buy a list, with criteria they specify. Something like "everyone in zip codes = 7 mod 19, fico score between 680 and 721, with a name that might be considered a desert, with a mortgage, no bankruptcy, blah". It used to be possible to get pretty particular lists; it's not supposed to be these days, but I don't know the actual state of affairs. What the various purchasers buy depends on what they're trying to sell. Amex probably looks for a better class of customer than does 'cards for chronic bankrupts'.
They usually use other information to figure out what areas they should target. They have all their customer data, they have census data (which gives a reasonable idea of what typical household income is, education levels, etc). Put that together against other lists (subscribe to a newspaper? subscribe to a particular newspaper?), and they can they put together offers that have a better chance of reaching someone who will respond (and, ideally, someone qualified who will respond.)
You might live in a zip code that doesn't meet the cut.