Credit Card Discussion

Why do I get so many Credit Card offers?

I know that credit card companies have access to certain credit information, but what exactly do they have access to? My husband and I both have Beacon scores over 800 and get an average of four Credit card or refinance offers EACH per day! I guess I have two questions:

1) What data do they use to “prequalify” us on all these offers? Do they use our beacons or something else?

2) How can I stop them?

I just asked a question about a better paper shredder, but I realized that the paper shredder wasn’t my problem. It’s all the JUNK I get daily! Any good advice is welcome! I don’t even enjoy getting the mail anymore!

« Getting A Bank Credit Card For Tuition Payments

What happens when you are reported for credit card default to CIBIL in India ? »

Tuesday, November 25th, 2008 at 5:45 pm. Posted in Credit Card Offers. Tags: Credit Card Companies, Good Advice, Mail, Paper Shredder, Refinance. You can follow this web articles through the RSS 2.0 feed.

3 Responses to “Why do I get so many Credit Card offers?”

1. ninedemonsgod on November 27th, 2008 at 4:12 pm

   Start mailing spams to them and see how they like it.

2. mikelo123 on November 29th, 2008 at 4:00 pm

   Take a look at this information page it lists types of cards and information, it should also answer your question.

3. stiletto on December 3rd, 2008 at 12:22 am

   I1). If you own a home it doesn’t matter whether you have a beacon score of 500 or 800, the mortgage company will try to get your business.

   2). The credit bureaus offer a toll-free number that enables you to “opt-out” of having pre-approved credit offers sent to you for two years. Call 1-888-5-OPTOUT (567-8688). Opt out can be permanent or for a limited amount of time (usually five years). It will ask you what you want when you call.

Leave a Reply