First Premier um..

[killer_queen229]

Still sending me pre approval apps!! I give the cardboard cards to my niece (who is 4) so she can play with them. I don't know why, but I feel insulted when companies like that send me things. 

[FinStar]

Why do you feel insulted?  Alas, you have a Capital One "credit steps" account, so what gives?  If you had FICO scores in the 800 range and an excellent credit history I could see that.  But even folks in that sphere still get them.  They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build.  Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them).  Don't take things personal.  It is just business and part of their marketing efforts.

[killer_queen229]

I've read about the cards they offer.. and the fees are atrcocious. They really are.. the cards are great for some people, not all. And Capital One isn't all that bad. 

[killer_queen229]

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@FinStar wrote:

Why do you feel insulted?  Alas, you have a Capital One "credit steps" account, so what gives?  If you had FICO scores in the 800 range and an excellent credit histroy I could see that.  But even folks in that sphere still get them.  They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build.  Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them).  Don't take things personal.  It is just business and part of their marketing efforts.

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My niece loves them because she loves having her own "cards". lol

[FinStar]

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@killer_queen229 wrote:

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@FinStar wrote:

Why do you feel insulted?  Alas, you have a Capital One "credit steps" account, so what gives?  If you had FICO scores in the 800 range and an excellent credit histroy I could see that.  But even folks in that sphere still get them.  They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build.  Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them).  Don't take things personal.  It is just business and part of their marketing efforts.

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My niece loves them because she loves having her own "cards". lol

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Oh goodness, she's gonna take after you...watch out world...LOL. 

Honestly, even folks with good/excellent credit get these from time to time.  I would just laugh it out and shred them.  Some individuals who want to prove a point even go through the lentghs of shredding the inserts and sending them back to the issuer.

[killer_queen229]

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@FinStar wrote:

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@killer_queen229 wrote:

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@FinStar wrote:

Why do you feel insulted?  Alas, you have a Capital One "credit steps" account, so what gives?  If you had FICO scores in the 800 range and an excellent credit histroy I could see that.  But even folks in that sphere still get them.  They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build.  Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them).  Don't take things personal.  It is just business and part of their marketing efforts.

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My niece loves them because she loves having her own "cards". lol

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Oh goodness, she's gonna take after you...watch out world...LOL. 

Honestly, even folks with good/excellent credit get these from time to time.  I would just laugh it out and shred them.  Some individuals who want to prove a point even go through the lentghs of shredding the inserts and sending them back to the issuer.

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Yeah my mom said she gets them too and I know she has excellent credit. I do laugh inside my head because I got approved for awesome cards so sometimes I get puzzled!! Yeah she has one of my old wristlet wallets lol. My mom got an AE application in the mail and it came with a fake see through plastic card (like with Blue, BCE etc). so I gave it to her and told her to buy stuff!! Lol.

[Involver]

I dont think that this is something that should be taken personally.


I would take it more personally if companies were sending me invites to credit products that I would be a gaurantee decline for simply as a way to pad their numbers and get people to app.

Even then, no. It's business.

[megaman1]

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@killer_queen229 wrote:

Still sending me pre approval apps!! I give the cardboard cards to my niece (who is 4) so she can play with them. I don't know why, but I feel insulted when companies like that send me things. 

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at least that's not ridiculous as Discover sending me another app after I already have the same exact card. hahahha

[negg]

I get these offers with a starting line of $700. And credit one still sends me offers for a line of $1500.  And since I get very little mail these days, it gives me the opportunity to Bust out theshredder. 

[tinuviel]

It's been quite a while since I received one of their offers, but I did receive them for several months after my credit transitioned from the "fair" to the "very good" range. I don't see it as anything to be insulted about. They receive lists of individuals who meet certain criteria and mail out offers... it's all just business.