First Premier Preauth!!!

[heavenli]

Hello to all my Myfico fam!!!

Today I got home and low and behold I have an invitation from First Premier in the mail. Do I take advantage of it? I already have Capital One so I would have 2 open credit lines if I used this one.. 

Any advice would be appreciated...

Thanks,

Heaven

[CreditExpressNJ]

Stay far far away from First Premier as possible.... They are sharks.... If you have a capitalone then treat them well they will grow or at least get you to were you need to be.... But by all means even a secured card is better than First Premier.... Monthly fees, AF, Cost to get CLI...

Send it to the shredder..

[heavenli]

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@shaun2009 wrote:

Stay far far away from First Premier as possible.... They are sharks.... If you have a capitalone then treat them well they will grow or at least get you to were you need to be.... But by all means even a secured card is better than First Premier.... Monthly fees, AF, Cost to get CLI...

Send it to the shredder..

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WOW!!! Thank you!!!! I have an unsecured Cap 1.

Thanks again for the great advice.

[ezdriver]

Pass on the First Premier offer to someone you hate.

[heavenli]

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@ezdriver wrote:

Pass on the First Premier offer to someone you hate.

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Ha ha ha !! I have to admit, that was funny!

[ezdriver]

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@heavenli wrote:

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@ezdriver wrote:

Pass on the First Premier offer to someone you hate.

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Ha ha ha !! I have to admit, that was funny!

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I laugh every time I see one in my mailbox! When you can laugh at that stuff it means you have control!

[SoulMaster]

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@heavenli wrote:

Hello to all my Myfico fam!!!

Today I got home and low and behold I have an invitation from First Premier in the mail. Do I take advantage of it? I already have Capital One so I would have 2 open credit lines if I used this one.. 

Any advice would be appreciated...

Thanks,

Heaven

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Really?  I didn't even read the rest of this thread but I really hope you're kidding.  I thought you were following the plan?  If so, follow it.

Also, NEVER app for a pre-approval you get in the mail until you have AAA credit or have researched it online to make sure it's the best offer avail.  There's always usually a better offer online.  Most of T the mailers are the bottom of the barrel "sucker" offers.  They work for the same reason Nigerian Phishing 419 scam emails work... people keep falling for them.

-SM

Edited to fix a generalziation that was clearly too general.

[heavenli]

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@SoulMaster wrote:

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@heavenli wrote:

Hello to all my Myfico fam!!!

Today I got home and low and behold I have an invitation from First Premier in the mail. Do I take advantage of it? I already have Capital One so I would have 2 open credit lines if I used this one.. 

Any advice would be appreciated...

Thanks,

Heaven

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Really?  I didn't even read the rest of this thread but I really hope you're kidding.  I thought you were following the plan?  If so, follow it.

Also, NEVER app for a pre-approval you get in the mail until you have AAA credit.  There's always a better offer online.  The mailers are the bottom of the barrel "sucker" offers.  They work for the same reason Nigerian Phishing 419 scam emails work... people keep falling for them.

-SM

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I'm on the plan but maybe i need to read it again...I may be misunderstanding what I should be doing.... I haven't app'd for anything outside the CAP 1 I have received. Oh and my cell phone but that was necessary.....

[LieslMet]

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@SoulMaster wrote:

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@heavenli wrote:

Hello to all my Myfico fam!!!

Today I got home and low and behold I have an invitation from First Premier in the mail. Do I take advantage of it? I already have Capital One so I would have 2 open credit lines if I used this one.. 

Any advice would be appreciated...

Thanks,

Heaven

---

Really?  I didn't even read the rest of this thread but I really hope you're kidding.  I thought you were following the plan?  If so, follow it.

Also, NEVER app for a pre-approval you get in the mail until you have AAA credit.  There's always a better offer online.  The mailers are the bottom of the barrel "sucker" offers.  They work for the same reason Nigerian Phishing 419 scam emails work... people keep falling for them.

-SM

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That's how the unsecured Cap1 offer comes through... the mail. The generalization that everything that comes in the mail is a scam that only fools fall for isn't right. Yesterday, I got home and found four - yes, FOUR - of them from Cap1. They all went in the shredder but regardless, that's how they come. And they're in your plan.

[ezdriver]

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@LieslMet wrote:

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@SoulMaster wrote:

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@heavenli wrote:

Hello to all my Myfico fam!!!

Today I got home and low and behold I have an invitation from First Premier in the mail. Do I take advantage of it? I already have Capital One so I would have 2 open credit lines if I used this one.. 

Any advice would be appreciated...

Thanks,

Heaven

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Really?  I didn't even read the rest of this thread but I really hope you're kidding.  I thought you were following the plan?  If so, follow it.

Also, NEVER app for a pre-approval you get in the mail until you have AAA credit.  There's always a better offer online.  The mailers are the bottom of the barrel "sucker" offers.  They work for the same reason Nigerian Phishing 419 scam emails work... people keep falling for them.

-SM

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That's how the unsecured Cap1 offer comes through... the mail. The generalization that everything that comes in the mail is a scam that only fools fall for isn't right. Yesterday, I got home and found four - yes, FOUR - of them from Cap1. They all went in the shredder but regardless, that's how they come. And they're in your plan.

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My unsecured CreditOne cc with $700 CL was from an offer that showed up in my mail box. So is the Barclay's offer to my wife [$1,500 cl]. We took both.