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For all the people with App addictions, and the gardening crowd to brag.
how many credit card apps, pre-approved credit card offers, personal loans at insane interest rates or pre-approved credit catalogs ( .i.e. fingerhut) did you shred, tear up, or otherwise ignore?
5 catalogs over $2000 in pre-approved in credit if i just said yes.
1 pre-approved credit card, sorry I haven't shopped at JC Penny in years.
3 Personal Loan offers...
Citibank and Discover both wasted postage sending their pre-approved offers to us recently. We don't even have a FICO score -- but, we are "pre-approved" -- I don't think so.
I probably get about 15 per month...................................................from Capital One.
Total, I probably get 3-5 per day but that is business and personal.
Catalogs with credit offers, like Fingerhut, virtually none.
It seems to go in waves. Lately I'm getting 2-3 per month from Home Depot and I average about $50 per month against a $15K CL and pay before statement is cut.
I shredded nothing, as I have opted out long time ago!
Same here, none! I aslo opted out, not looking back and only apply for credit when I need it and on my time when I want too It's a blessing!!!
Last month DW and I shredded at least 3 First Premier offers, at least 4 HSBC offers ( I swear they come weekly), one JCP, and several CFLs like OneMain and one other (can't remember).
I rarely get any offers of any kind. Infact the only recent offers I've shredded are two offers from Fingerhut, one from First Premier and one other pre-approved store magazine. I felt dirty just touching the First Premier offer.
@Varakai wrote:Same here, none! I aslo opted out, not looking back and only apply for credit when I need it and on my time when I want too It's a blessing!!!
Yup, went to the opt-out prescreen site and haven't looked back since!
Zero. I opted out years ago.
1 pre-approval offer with invitation code for CITI AA Advantage Visa - they been softing my EQ every month since 2008.
1 pre-approval offer with invitation code for Chase Presidential Card - I have the Chase Sapphire Preferred.
1 pre-approval offer with invitation code for Amex BCP - which I took the plunged last week and got approved with a $10K starting CL.
And a bunch of Cap 1 that been coming multiple times each month for the past year. Still no Cap 1 in my wallet because of the 3 HP app.
Going to wait til Dec. of next year to app for another card - goal is 1 prime card per year with great signup bonuse and a nice starting CL. In the meantime, going to hit the LUV button every 6 months with my current cards. Garden time!!