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Browse credit cards from a variety of issuers to see if there's a better card for you.
Some. Got Am Ex, Discover, Quicksilver. Elderly Mom used to get a lot before her lawyer and caregiver tried to rob her and her scores were around 800. Got FNBO, Merrick,Wal Mart, and Capital Ine Platinum.
Opened all of the cards mentioned. Shred the First Premier, Fingerhut, Verve, and the like.
Keep in mind if you have scores in the 600's you won't get many good offers. Once scores get above 750 across the board LOTS of the good offers come in.
I get the nutty predatory cards and I shredd them quick. I went without credit cards for seven years and never did I consider trying any of those when my scores were so low due to thin file.i mostly get personal loans and car loans offers, again, nothing I need.
@orestrus wrote:Some even reported receiving e-mails..How could they know e-mail address after all? Im still waiting to get my very first mail..lol
its been the usual FP and Credit one, but lately Ive been getting some local "preapproved" mortage letters..Dont they know Im planning to use Navy?! LOL
Visa Black about twice a month. Nothing else, ever.
Me, not so much, my spouse every. Single. Day. The worst offenders: Capital One, Bank of America, FNBO, Citi, and recently Citizens Bank. Amex and Discover use to be bad, but then he went ahead and applied.
I get a preapproval for a crappy card probably 5 times a month - First Premier, Credit One, etc. If we are talking about non scammy lenders, only 1 or 2 per month, max. My latest one that wasn't totally sucky was a preapproval for the Walmart credit card earlier this month, but even that isn't very exciting. Before I got the Freedom though, I got 3-4 letters from Chase inviting me to apply for one if their cards, which seemed so strange to me at the time because my scores were even worse than they are now.