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TCL: $571.05k CCs:23 AAoA: 6yr 1mo Util: ~1% Derog: 0 |
Mortgage: $215.1k Sonata Lease: $1.3k Palisade: $23.8k |
Don't take this as a bad sign at all. I used to get similar BT and lower interest rate offers from Amex, too. Rarely get them from my CUs. Though, I did have to call and unsubcribe from Citi and Barclays BT offers. Literally, Citi sent us (both wife and I) a mailer and email once a week for each of our Citi accounts. Generated way too much junk mail. After receiving around 5 Citi BT offers every week, I wondered if they ever did a SP to realize that we PIF. Again, not a bad sign though.
@Subexistence wrote:I always PIF so I'm not sure why I recieved this insulting offer.
I don't know if that spells a bad omen and if so, how can I make amex think I'm a responsible person who doesn't carry balances. Hopefully I'm never targetted for an offer like this. What factors would Amex think that I deserve that offer?
When a CCC sends you an offer like this it is a compliment to your good credit habits. Paying a 3% fee for a year or so of borrowing means they think there is a pretty good chance they can trust you to pay it back.
An insult is promoting a 3% fee to BT at a 12% - 20% APR in addition to the 3% fee.
Personally, I favor those card companies who consistently offer me these kinds of BT terms, because it is low cost borrowing.