What is the cause of all the credit card offers to me?
OK, I paid my rent on time for the last 4 years with 2 late payments in the first year.
I paid my power & light bill on time for the last 2 1/2 years, after the first year with out a late payment the sent me back my deposet for $150.
1 year with yahoo internet with no late payments. Then went to comcast internet for 1/2 a year now no late payments. Comcast cable for 2 years no late payment.
I have a dibit card that i use to buy several music items costing $200 -$600 two to four times a year on a easy payment plan = 3 payments for 3 months for the last 3 years no late payments.
My credit was so bad before all this i couldnt get a credet card. Now i’v gotten at lest 12 - 15 offers in the last 3 months .
My sister wants to know which one’s are doing it so she can do the same ? thanks…
www. she want’s one so she can borrow from when shes running low on cash not to get over head just till next payday.
BMWBFD . Some with fees some with no fees. None with over 19.5 % rates.
Why would someone want the curse of credit cards????? I never have met a wealthy person that told me - I got rich off of spending money I didn’t have and paying the bank to give me money for things I couldn’t afford.
Credit bureaus sell profiles - you may not even qualify for the offers. Do your sister a favor - tell her to pay for everything in cash - she will be able to be a millionaire by the time she retires with that mentality.
Really look at those credit card offers…are they with no annual fee? No start-up fee? No membership fee? A lot of cards out there will send offers to people with a low credit score, but they come with 29%+ APR, a membership fee, an annual fee, a start up fee, and additional card fees. Unless you have offers with low APR that are FREE to carry, you are not really good offers yet.
You must be doing something else because none of the things you mentioned report to the credit bureaus.
Well, there really is no cause…Everyone gets em…If u want em to stop, call the company and tell them ur adress and crap and tell them stop calling my house dammit!
Hope u take this advice if u start getting annoyed by them..
Well when you’re dealing with pre-approved offers any credit card company can review your credit report (without permission) and see you’re making payments on time from your history, etc. Based on that info they can decide whether tp extend offer of credit. A lot of people get pre-apporved credit cards. Does your sister pay her bills on time? If so she should be getting some. Maybe she has too much credit or her credit isn’t as good as yours. I choose to opt out of pre approved offers because it was getting to be ridiculous I was receiving at least 3 a day!!!
The offers are probably subject to credit approval. The ones that are not are usually very expensive for people with a troubled history. Annual fee, start up fee, monthly maintenance fee, additional card fee, etc. Charges often exceed $200 without you ever using it. Sounds like you’re doing good without credit anyway. You should keep going just like you are and encourage your sister to do the same. It’s a simple idea but if you can’t afford to save any money to buy what you want, you can’t afford payments, either. If you would like a plan to be financially successful, go to daveramsey.com.
If you recently applied for credit, you may be on some list. So-called “pre-approved” offers are usually just that.