topic Re: What Triggered Capital One To Send Me Balance Checks in Credit Cards

What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:06:19 GMT

I have been with Capital One for a year now, or a little over. They've sent balance checks for both my credit card accounts with them. One offer is 0% 12 month and the other 3.99% for 24 months. Is this offer random?

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:04:45 GMT

@Anonymous wrote:
I have been with Capital One for a year now, or a little over. They've send balance checks for both my credit card accounts with them. One offer's 0% 12 month and the other 3.99% for 24 months. Is this offer random?

Almost certainly nearly random. I get them all the time, whether I use my card or not.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:08:28 GMT

Thanks for the information! Question for you. Why do you quote me if you are the first to respond? I'm just curious.

Re: What Triggered Capital One To Send Me Balance Checks

UncleB — Sun, 12 Jun 2016 05:18:01 GMT

@Anonymous wrote:
Thanks for the information! Question for you. Why do you quote me if you are the first to respond? I'm just curious.

I know this question isn't directed to me, but I can provide an answer as to why I always 'quote' when I reply... it's because on more active threads by the time you get your reply typed out sometimes three or four (or even more) people can reply.

Without using the 'quote' feature, it gets really confusing for others to figure out who you're replying to.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:21:29 GMT

@UncleB wrote:
@Anonymous wrote:
Thanks for the information! Question for you. Why do you quote me if you are the first to respond? I'm just curious.
I know this question isn't directed to me, but I can provide an answer as to why I always 'quote' when I reply... it's because on more active threads by the time you get your reply typed out sometimes three or four (or even more) people can reply.

Without using the 'quote' feature, it gets really confusing for others to figure out who you're replying to.

If I opt out of prescreen [optoutprescreen], would it prevent them from sending me these offers?

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:24:28 GMT

Normal for Cap One. I just did one BT and went very smoothly. I get these checks about every 2 weeks between all of my accounts.

Re: What Triggered Capital One To Send Me Balance Checks

UncleB — Sun, 12 Jun 2016 05:28:33 GMT

@Anonymous wrote:

If I opt out of prescreen [optoutprescreen], would it prevent them from sending me these offers?

Opting out of prescreening with the credit bureaus only keeps you from getting prequalified for new accounts. The BT checks you get from Capital One are completely different.

I've never done it, but if you call Capital One directly they can probably flag your account to not get the checks in the future.

Re: What Triggered Capital One To Send Me Balance Checks

creditguy — Sun, 12 Jun 2016 05:37:38 GMT

Marketing is what triggered it.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 05:40:10 GMT

@creditguy wrote:
Marketing is what triggered it.

Which is random, as I suspected.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 08:40:02 GMT

What triggered it?

A pulse.

Re: What Triggered Capital One To Send Me Balance Checks

RonM21 — Sun, 12 Jun 2016 15:32:30 GMT

Combo of random and marketing more than likely, as mentioned. More ways for them to reach out to gain more income without you looking for it on your own.

Re: What Triggered Capital One To Send Me Balance Checks

Gmood1 — Sun, 12 Jun 2016 15:41:17 GMT

I've been getting hammered with them lately from Capital One, Chase, FNBO and Citi.

Maybe it's just that time of the year? who knows

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 16:03:55 GMT

I wish I could get Cap One, Chase or Citi to send them. Those are my three oldest accounts and Cap One started as secured or with some other bank or something, And Chase and Citi both did AA years ago. Seems they still have somewhat of a memory. They've both approved me for new cards with nice limits and/or CLI with hard pull, but I'm not in that 'usual' bucket that gets offers etc.

But we get them for Barclay constantantly, and just got some for Discover and US Bank (US Bank only 2.99% with 4% fee).

Re: What Triggered Capital One To Send Me Balance Checks

Gmood1 — Sun, 12 Jun 2016 16:07:02 GMT

@Anonymous wrote:
I wish I could get Cap One, Chase or Citi to send them. Those are my three oldest accounts and Cap One started as secured or with some other bank or something, And Chase and Citi both did AA years ago. Seems they still have somewhat of a memory. They've both approved me for new cards with nice limits and/or CLI with hard pull, but I'm not in that 'usual' bucket that gets offers etc.

But we get them for Barclay constantantly, and just got some for Discover and US Bank (US Bank only 2.99% with 4% fee).

Have you been allowing your balances to report monthly? It seems the more I allow mine to report. The more of these offers with blank checks seem to show up in my mailbox. lol

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 16:41:05 GMT

@Gmood1 wrote:
@Anonymous wrote:
I wish I could get Cap One, Chase or Citi to send them. Those are my three oldest accounts and Cap One started as secured or with some other bank or something, And Chase and Citi both did AA years ago. Seems they still have somewhat of a memory. They've both approved me for new cards with nice limits and/or CLI with hard pull, but I'm not in that 'usual' bucket that gets offers etc.

But we get them for Barclay constantantly, and just got some for Discover and US Bank (US Bank only 2.99% with 4% fee).
Have you been allowing your balances to report monthly? It seems the more I allow mine to report. The more of these offers with blank checks seem to show up in my mailbox. lol

No, I rarely use my QS or my TY Pref. I use all my Chase cards and do often let balances report. But none of that kind of love.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 16:59:58 GMT

@UncleB wrote:
@Anonymous wrote:
Thanks for the information! Question for you. Why do you quote me if you are the first to respond? I'm just curious.
I know this question isn't directed to me, but I can provide an answer as to why I always 'quote' when I reply... it's because on more active threads by the time you get your reply typed out sometimes three or four (or even more) people can reply.

Without using the 'quote' feature, it gets really confusing for others to figure out who you're replying to.

Exactly.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 20:01:34 GMT

Interesting thread on what triggers them...One thing I noticed once I let balances report on other cards outside of Cap One the guns came out loaded, BT checks started coming, Auto financing offers and then from other lenders BT checks started rolling...but haha the balances are wrong on the credit reports...they are still 0 just what I let report wasn't

Re: What Triggered Capital One To Send Me Balance Checks

CreditMagic7 — Sun, 12 Jun 2016 20:07:19 GMT

@Gmood1 wrote:
I've been getting hammered with them lately from Capital One, Chase, FNBO and Citi.
Maybe it's just that time of the year? who knows

Same here and am drowning in them.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 20:39:05 GMT

@CreditMagic7 wrote:
@Gmood1 wrote:
I've been getting hammered with them lately from Capital One, Chase, FNBO and Citi.
Maybe it's just that time of the year? who knows
Same here and am drowning in them.

I'm always getting them from Cap One and US Bank. But yesterday I got some from Chase Amazon, a card I haven't used in years and I don't remember getting checks from them before.

Re: What Triggered Capital One To Send Me Balance Checks

Anonymous — Sun, 12 Jun 2016 20:50:02 GMT

@Anonymous wrote:
@CreditMagic7 wrote:
@Gmood1 wrote:
I've been getting hammered with them lately from Capital One, Chase, FNBO and Citi.
Maybe it's just that time of the year? who knows
Same here and am drowning in them.
I'm always getting them from Cap One and US Bank. But yesterday I got some from Chase Amazon, a card I haven't used in years and I don't remember getting checks from them before.

When you get them on US Bank, are they comparable to others? (0%/3%fee) Like I said, I got 2.99%/4%fee which I'm not interested in. But I noticed on SM after we took advantage of one, the next offer was better. I wonder if I did a small one on US Bank if a better offer would follow? (Speculation, I know, but that's what this thread is about, right?)