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Crap One

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DrJim
Frequent Contributor

Crap One

I receive preapprovals from Capital One almost daily.  I am not exaggerating, almost daily.  I opted out years ago, but at one time my wife got a Capital One card in my name.  Today I recieved a preapproval for,...drumroll please...$1,500!  As you can see from my siggy below, I sent it to the shredder.  Last opened account was over two years ago.  Last credit card was 4-5 years ago.  In. The. Garden.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 1 of 28
27 REPLIES 27
-Wade-
Valued Contributor

Re: Crap One


@DrJim wrote:

I receive preapprovals from Capital One almost daily.  I am not exaggerating, almost daily.  I opted out years ago, but at one time my wife got a Capital One card in my name.  Today I recieved a preapproval for,...drumroll please...$1,500!  As you can see from my siggy below, I sent it to the shredder.  Last opened account was over two years ago.  Last credit card was 4-5 years ago.  In. The. Garden.


Hi Dr. You may need to opt-out again if you want to stop getting the preapprovals.

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 2 of 28
Anonymous
Not applicable

Re: Crap One

I think you really need that 1500 dollar limit Smiley Very Happy We usually dont grab our mail til saturdays and between my roommate and I there are usually 7 cap one offers in there. Maybe they could save a bit of postage and raise limits and drop their rates Smiley Surprised

Message 3 of 28
DrJim
Frequent Contributor

Re: Crap One

Unfortunately, if you have a previous business relationship with someone they can still send you stuff even if you opt out.  Guess I could go straight to them and ask for them to leave me alone.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 4 of 28
core
Valued Contributor

Re: Crap One

There is a form at the post office you can fill out to stop sexually explicit mail from being sent to you by a particular company.  The postmaster does not get to decide what qualifies -- you do.  I have used this tactic in the past for certain junk mail, and I think Crapital One would make an excellent candidate.

Message 5 of 28
Anonymous
Not applicable

Re: Crap One

+1
Message 6 of 28
TRC_WA
Senior Contributor

Re: Crap One

But I'll wager that in 2009 when OP claims he had "starting scores" in the 600's that he had a Crap One card... or two.

 

LOL

 

 

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 7 of 28
DrJim
Frequent Contributor

Re: Crap One

Well we already know you are an idiot or a troll. I already said in this thread, if you read it, that I have an existing relationship. And, yes, I had scores in the 600's due to the fact that I didn't use revolvers for 10 years. And your comment and adolescent "lol" add to this conversation in a helpful way how?



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 8 of 28
TRC_WA
Senior Contributor

Re: Crap One


@DrJim wrote:

Well we already know you are an idiot or a troll. I already said in this thread, if you read it, that I have an existing relationship. And, yes, I had scores in the 600's due to the fact that I didn't use revolvers for 10 years. And your comment and adolescent "lol" add to this conversation in a helpful way how?


Actually I'm neither... I read the OP (that's original post...) and replied to it.  I just skimmed the rest of the thread because I just didn't care enough to read the rest.

 

LOL is a common internet phrase... which means I was laughing at the fact you came here to these forums to let us all know that you got a $1500 offer from "CrapOne" in your mail today... like any of us are supposed to care.

 

BTW, I'm 40... and thanks for letting us know about your pre-approvals!  I will sleep better tonight!  Smiley Wink

 

 

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 9 of 28
Anonymous
Not applicable

Re: Crap One

Woah fellows.  Don't want to incur the wrath of the mods.  

Message 10 of 28
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