Frequent Contributor
Posts: 360
Registered: ‎10-17-2012

Can you limit these marketing ads?

[ Edited ]

I got offers from Credit One and several other similiar card issuers  a lot, and sometimes pay-day loans. I find this really annoying and insulting.  Can you tell the credit bureau that you don't want these sub-prime lender's offers but green-light thoese from certain creditors, like Chase/Citi ? 

Fide Amex 15K | Barclays Reward 3.5K | Citi Forward Student 5K | Discover IT 12.8K | US Cash Reward 6K | GE Paypal 5.5K | Wal Discover 6K | CapOne 3.5K | Kohl's 0.3K
Posts: 8,163
Registered: ‎01-28-2010

Re: Can you limit these marketing ads?

When you opt~out with the CRAs, they will take your name off of the promotional marketing list. There's no way to selectively pick which creditors to continue to receive offers from, it's either all or nothing.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Senior Contributor
Posts: 4,170
Registered: ‎04-22-2013

Re: Can you limit these marketing ads?

And I wouldn't call getting subprime "insulting"  There is no real intent.  Merely that your credit profile meets (and exceeds) their very low standards.   Opt out, or just throw away unopened the ones you don't want.

From highest to lowest: Amex BC (42K), Cap One , CSP, Fidelity Amex, Cap One, Penfed Plat Rewards x2, , Citi TY Pref, Citi TY Premier, Citi Plat Select AA, US Bank Cash Plus, Chase Amazon, Chase Freedom, Amalgamated Bank MC, Citi Forward, BCE, Sallie Mae (5K)

Mega Contributor
Posts: 17,260
Registered: ‎03-19-2007

Re: Can you limit these marketing ads?

The reason their promotional offers are often for less favorable terms is that if they obtain your name from a CRA to make an offer for credit, the offer must be a firm offer.

That means that if you, upon applying and review of your full credit report, are found to meet the normal criteria they specified when obtaining your name and address from the CRA, they must honor the "firm offer."


A less than the best offer gives them legitimate room for denial if the consumer then specifies better terms in their app.


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