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how many credit offers did you shread this month?

Valued Contributor

how many credit offers did you shread this month?

 

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... 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 1 of 13
12 REPLIES
Valued Contributor

Re: how many credit offers did you shread this month?

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. 



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Message 2 of 13
Valued Contributor

Re: how many credit offers did you shread this month?

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.

Message 3 of 13
Established Contributor

Re: how many credit offers did you shread this month?

I shredded nothing, as I have opted out long time ago!

SevenNEW, Garden Nerd - In the Garden until 2015!
4.2K 10K 24.6K
Message 4 of 13
New Contributor

Re: how many credit offers did you shread this month?

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 tooSmiley Wink It's a blessing!!!


Starting Score: 500’s
Current Score: EQ Fico 707 TU Fico 737 TU08 Fico (Wal-Mart)736 EX Fico 733
Goal Score: 760+


Take the FICO Fitness Challenge
Message 5 of 13
Moderator Emeritus

Re: how many credit offers did you shread this month?

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).

Message 6 of 13
Established Contributor

Re: how many credit offers did you shread this month?

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.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 7 of 13
Valued Member

Re: how many credit offers did you shread this month?


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 tooSmiley Wink It's a blessing!!!


Yup, went to the opt-out prescreen site and haven't looked back since!

TU 770 (11/18/11)
EQ 725 (11/18/11)
Message 8 of 13
Valued Contributor

Re: how many credit offers did you shread this month?

Zero. I opted out years ago.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 9 of 13
Valued Contributor

Re: how many credit offers did you shread this month?

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!!

Message 10 of 13