topic Re: My second Pre-approved straight to the shredder in Credit Cards

My second Pre-approved straight to the shredder

MountainHiker — Sat, 10 Nov 2012 21:28:42 GMT

Ever since getting my Chase Freedom card it does seem that the credit card companies are seeking me out.Just received my second pre-approved in as many weeks .This time it's from a company called Legacy Visa.Decent credit limit but I'm not interested in any companies unless they are prime cards such as Chase, Citi,Discover,AMEX ect. Ok,now where is that shredder.....

Re: My second Pre-approved straight to the shredder

linux007969 — Sat, 10 Nov 2012 21:58:30 GMT

@MountainHiker wrote:
Ever since getting my Chase Freedom card it does seem that the credit card companies are seeking me out.Just received my second pre-approved in as many weeks .This time it's from a company called Legacy Visa.Decent credit limit but I'm not interested in any companies unless they are prime cards such as Chase, Citi,Discover,AMEX ect. Ok,now where is that shredder.....

I got a offer from Legacy Visa a month ago, and its a shady offer cuz the bank that issues the card is very simular name to First National of Omaha. Today i got a offer for a Citi Diamond Prefered Mastercard and it looks like a good offer but the interest is 0% for 9 months and 24.99% after, no thanks. I have enough cards right now since i recently just got approved for a Discover and its on its way!

Re: My second Pre-approved straight to the shredder

MountainHiker — Sat, 10 Nov 2012 23:45:45 GMT

@linux007969 wrote:
@MountainHiker wrote:
Ever since getting my Chase Freedom card it does seem that the credit card companies are seeking me out.Just received my second pre-approved in as many weeks .This time it's from a company called Legacy Visa.Decent credit limit but I'm not interested in any companies unless they are prime cards such as Chase, Citi,Discover,AMEX ect. Ok,now where is that shredder.....
I got a offer from Legacy Visa a month ago, and its a shady offer cuz the bank that issues the card is very simular name to First National of Omaha. Today i got a offer for a Citi Diamond Prefered Mastercard and it looks like a good offer but the interest is 0% for 9 months and 24.99% after, no thanks. I have enough cards right now since i recently just got approved for a Discover and its on its way!

After a bit of research that Legacy visa company looks very shady indeed.Congrats on the Discover card offer.In march 2013 hopefully that will the time for me to go after Discover.

Re: My second Pre-approved straight to the shredder

linux007969 — Sat, 10 Nov 2012 23:50:55 GMT

@MountainHiker wrote:
@linux007969 wrote:
@MountainHiker wrote:
Ever since getting my Chase Freedom card it does seem that the credit card companies are seeking me out.Just received my second pre-approved in as many weeks .This time it's from a company called Legacy Visa.Decent credit limit but I'm not interested in any companies unless they are prime cards such as Chase, Citi,Discover,AMEX ect. Ok,now where is that shredder.....
I got a offer from Legacy Visa a month ago, and its a shady offer cuz the bank that issues the card is very simular name to First National of Omaha. Today i got a offer for a Citi Diamond Prefered Mastercard and it looks like a good offer but the interest is 0% for 9 months and 24.99% after, no thanks. I have enough cards right now since i recently just got approved for a Discover and its on its way!

After a bit of research that Legacy visa company looks very shady indeed.Congrats on the Discover card offer.In march 2013 hopefully that will the time for me to go after Discover.

Your scores look good for a discover, they pulled TU and said mine was a 692. But gardening always helps as i've been told/seen on this forum, so if u wait till march 2013 i could see them approving you with a very nice limit.

Re: My second Pre-approved straight to the shredder

Anonymous — Sun, 11 Nov 2012 00:34:33 GMT

Re: My second Pre-approved straight to the shredder

creditnocash — Sun, 11 Nov 2012 01:36:54 GMT

Since getting a car installment loan, chase, Amex an citizens card (said to be very conservative). I've gotten non stop pre approvals from discover and cap one. At least 1-3 every two weeks from each

Re: My second Pre-approved straight to the shredder

linux007969 — Sun, 11 Nov 2012 01:53:41 GMT

@creditnocash wrote:
Since getting a car installment loan, chase, Amex an citizens card (said to be very conservative). I've gotten non stop pre approvals from discover and cap one. At least 1-3 every two weeks from each

ya i bet once my new discover reports to my credit files, i'll get all kinds of offers from any bank, and i'll probably get all kinds of cattalogs in the mail for preapproved accounts (like fingerhut and Montgomery ward) lol This week alone i got 2 offers from discover and i havent recieved the card yet, and today as ststed above i got a offer for citi diamond. I guess its better than First Premeir or Credit One, or DIscover Matrix by Continental Finance (which i got all those offers this year) lol

Re: My second Pre-approved straight to the shredder

guydiver — Sun, 11 Nov 2012 01:59:36 GMT

I remember opting out some time ago, but every now and then I get something in the mail. Yesterday I opened one that was from some bottom of the barrel catalog type card, no credit check,$500 CL, reports "to the credit bureau", and some other nonsense that I didn't look at. Thought it was funny since my reports are clean now, my Fico's are up, and this is what I get!

Re: My second Pre-approved straight to the shredder

linux007969 — Sun, 11 Nov 2012 02:03:52 GMT

@guydiver wrote:
I remember opting out some time ago, but every now and then I get something in the mail. Yesterday I opened one that was from some bottom of the barrel catalog type card, no credit check,$500 CL, reports "to the credit bureau", and some other nonsense that I didn't look at. Thought it was funny since my reports are clean now, my Fico's are up, and this is what I get!

I opted out for about 2 years and when i got cards this year i opted back in to see who would compete for my business and it makes me feel wanted when i get a offer from a prime bank such as discover or citi. I'll eventually opt back out but for now its fun to open mail and see what kind of sleezy offer or decent offer awaits me! lol

Re: My second Pre-approved straight to the shredder

creditnocash — Sun, 11 Nov 2012 02:31:57 GMT

Speak of the offers.

got home today and another cap one plat pre approval lol.

no limit posted just that its the no annual fee. no interest till august and a higher credit limit if requested whatever that means.

staying clear of everything till i get my second amex though.

Re: My second Pre-approved straight to the shredder

linux007969 — Sun, 11 Nov 2012 02:37:46 GMT

@creditnocash wrote:
Speak of the offers.
got home today and another cap one plat pre approval lol.

no limit posted just that its the no annual fee. no interest till august and a higher credit limit if requested whatever that means.

staying clear of everything till i get my second amex though.

probably only after you email the ceo and get a call from the Executive office will u posibably get an increase...... lol

Re: My second Pre-approved straight to the shredder

creditnocash — Sun, 11 Nov 2012 02:53:52 GMT

@linux007969 wrote:
@creditnocash wrote:
Speak of the offers.
got home today and another cap one plat pre approval lol.

no limit posted just that its the no annual fee. no interest till august and a higher credit limit if requested whatever that means.

staying clear of everything till i get my second amex though.
probably only after you email the ceo and get a call from the Executive office will u posibably get an increase...... lol

as long as its from 1k to 20k. but in the end still not worth it.

Re: My second Pre-approved straight to the shredder

linux007969 — Sun, 11 Nov 2012 02:56:10 GMT

@creditnocash wrote:
@linux007969 wrote:
@creditnocash wrote:
Speak of the offers.
got home today and another cap one plat pre approval lol.

no limit posted just that its the no annual fee. no interest till august and a higher credit limit if requested whatever that means.

staying clear of everything till i get my second amex though.
probably only after you email the ceo and get a call from the Executive office will u posibably get an increase...... lol
as long as its from 1k to 20k. but in the end still not worth it.

ya so true, i'm gonna get rid of them in 2 years so by then i'll have enough history with discover and everyone else that it wont hurt to let them go. lol

Re: My second Pre-approved straight to the shredder

MountainHiker — Sun, 11 Nov 2012 23:13:45 GMT

@linux007969 wrote:
@MountainHiker wrote:
@linux007969 wrote:
@MountainHiker wrote:
Ever since getting my Chase Freedom card it does seem that the credit card companies are seeking me out.Just received my second pre-approved in as many weeks .This time it's from a company called Legacy Visa.Decent credit limit but I'm not interested in any companies unless they are prime cards such as Chase, Citi,Discover,AMEX ect. Ok,now where is that shredder.....
I got a offer from Legacy Visa a month ago, and its a shady offer cuz the bank that issues the card is very simular name to First National of Omaha. Today i got a offer for a Citi Diamond Prefered Mastercard and it looks like a good offer but the interest is 0% for 9 months and 24.99% after, no thanks. I have enough cards right now since i recently just got approved for a Discover and its on its way!

After a bit of research that Legacy visa company looks very shady indeed.Congrats on the Discover card offer.In march 2013 hopefully that will the time for me to go after Discover.
Your scores look good for a discover, they pulled TU and said mine was a 692. But gardening always helps as i've been told/seen on this forum, so if u wait till march 2013 i could see them approving you with a very nice limit.

That is the hope in terms of waiting till march. Want just a few nice cards but I want high limit cards.Would be nice to have just one card with a $15K limit.Maybe a Credit Union also.