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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Received Pre Aproved First Premier, NO THANK YOU!

It was pre approved for $700 CL

 

but 175 initial  Fee, then 175 AF? are you crazy!!

 

it met the trash can right away.

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Established Member
Kutuziv
Posts: 27
Registered: ‎02-08-2013

Re: Received Pre Aproved First Premier, NO THANK YOU!

I get those kinds of pre approved cc every now and then, they go to the recycle can ASAP, one of them even started charging interest from purchase day, no grace period nothing, you buy you get interest on your first bill, great deal on top of the multiple fees, by the time you pay a secure card it's just cheaper.


Starting Score: 606
Current Score: 606
Goal Score: 650


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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Received Pre Aproved First Premier, NO THANK YOU!

I think opt out prescreen really needs a credit filter. Like saying Reject all offers that  doesn't require a 720+ etc lol it would save TREES!


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: Received Pre Aproved First Premier, NO THANK YOU!

I receive about two of these a month...and they go straight into the garbage can. 

 

First Premiere is such a rip off imo.  Their fees and interest rates add up to an astoundingly high total APR.  Its like 60% or something if you factor all their feels into the equation. 

 

F that.


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Member
Kutuziv
Posts: 27
Registered: ‎02-08-2013

Re: Received Pre Aproved First Premier, NO THANK YOU!

I think the post office needs more cash, they got some money issues there, so I let them mail whatever. It also creates some jobs, someone got to print that, etc., so is not as bad as it looks, only thing never apply to one of those. The cc I got where mail offers but no anual fees etc.


Starting Score: 606
Current Score: 606
Goal Score: 650


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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Received Pre Aproved First Premier, NO THANK YOU!

yeah interest was suuper high in the sky....

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.

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