topic Re: How do Credit Card companies choose whom to solicit? in Credit Card Applications

How do Credit Card companies choose whom to solicit?

Anonymous — Tue, 04 Jul 2017 18:11:18 GMT

Wierd situation. Wife and I have almost identical credit profiles on all 3 CRA's. Had bad credit for 7 years, all baddies dropped off. Both have all 3 bureaus in the 700's.

She gets a mailing soliciting her to get a preapproved credit card just about every week - Cap 1, Bank of America, Synchrony and a couple of others are most common. I get none. Not one. Neither of us has any holds on CRA's.

What gives?

Re: How do Credit Card companies choose whom to solicit?

AverageJoesCredit — Tue, 04 Jul 2017 18:27:55 GMT

Its a crazy world this credit game. Some people get offers, others not. Doesnt mean you will or wont be approved. Lol, the only offers ive ever received were like 6 or 7 from Disco and 1 or 2 from Citi for DC,. Nothing since . Ive had my Dc a little over a year, my Disco close to a year. Just goes to show how random it is. Some people get prike banks while others get subprime offers even as their profiles get better. Magic 8 ball might have the answer

Re: How do Credit Card companies choose whom to solicit?

Gmood1 — Tue, 04 Jul 2017 19:10:45 GMT

Make sure your opt in to receive offers. Google the links and opt in at all three credit bureaus.
At one time I never received offers. My CRs stay very active these days with loans and CCs reporting balances(12 to 15 on avg). Now I get flooded with pre-approved loans and cards I thought I'd never be able to obtain. Funny thing is, now I don't need them. Lol
It's always been like that for me. I either have the cart and not the horse or the horse and not the cart. 😂

Re: How do Credit Card companies choose whom to solicit?

Anonymous — Tue, 04 Jul 2017 23:55:19 GMT

when my wife goes online and checks what shes preapproved for, its not long before the mail box is flooded with offers for months on end.

Re: How do Credit Card companies choose whom to solicit?

Anonymous — Wed, 05 Jul 2017 19:03:50 GMT

I am the same.

I get insurance and loan prequalifiers with a 1000% interest rate. But my husband gets tons of card offers every week. Grant it they are credit one, Capital One, etc. But I get no card offers at all.

Oh well, maybe the card offer Gods know that I’m gardening.

Re: How do Credit Card companies choose whom to solicit?

Anonymous — Thu, 06 Jul 2017 05:22:33 GMT

CCCs naturally target those that they feel can be their most profitable customers. This is why you often don't see people with sub 600 scores or over 800 scores targeted as much.