topic Re: First Premier um.. in Credit Cards

First Premier um..

killer_queen229 — Sat, 04 Jan 2014 17:30:27 GMT

Still sending me pre approval apps!! I give the cardboard cards to my niece (who is 4) so she can play with them. I don't know why, but I feel insulted when companies like that send me things.

Re: First Premier um..

FinStar — Sat, 04 Jan 2014 17:41:40 GMT

Why do you feel insulted? Alas, you have a Capital One "credit steps" account, so what gives? If you had FICO scores in the 800 range and an excellent credit history I could see that. But even folks in that sphere still get them. They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build. Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them). Don't take things personal. It is just business and part of their marketing efforts.

Re: First Premier um..

killer_queen229 — Sat, 04 Jan 2014 17:41:19 GMT

I've read about the cards they offer.. and the fees are atrcocious. They really are.. the cards are great for some people, not all. And Capital One isn't all that bad.

Re: First Premier um..

killer_queen229 — Sat, 04 Jan 2014 17:42:15 GMT

@FinStar wrote:
Why do you feel insulted? Alas, you have a Capital One "credit steps" account, so what gives? If you had FICO scores in the 800 range and an excellent credit histroy I could see that. But even folks in that sphere still get them. They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build. Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them). Don't take things personal. It is just business and part of their marketing efforts.

My niece loves them because she loves having her own "cards". lol

Re: First Premier um..

FinStar — Sat, 04 Jan 2014 17:47:19 GMT

@killer_queen229 wrote:
@FinStar wrote:
Why do you feel insulted? Alas, you have a Capital One "credit steps" account, so what gives? If you had FICO scores in the 800 range and an excellent credit histroy I could see that. But even folks in that sphere still get them. They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build. Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them). Don't take things personal. It is just business and part of their marketing efforts.
My niece loves them because she loves having her own "cards". lol

Oh goodness, she's gonna take after you...watch out world...LOL.

Honestly, even folks with good/excellent credit get these from time to time. I would just laugh it out and shred them. Some individuals who want to prove a point even go through the lentghs of shredding the inserts and sending them back to the issuer.

Re: First Premier um..

killer_queen229 — Sat, 04 Jan 2014 17:50:03 GMT

@FinStar wrote:
@killer_queen229 wrote:
@FinStar wrote:
Why do you feel insulted? Alas, you have a Capital One "credit steps" account, so what gives? If you had FICO scores in the 800 range and an excellent credit histroy I could see that. But even folks in that sphere still get them. They can market these products to whomever and especially for folks whose profiles are considered not-so-perfect or average, even for those who are just starting to build. Just shred them (or give the cardboard CC inserts to your niece or make a hula skirt out of them). Don't take things personal. It is just business and part of their marketing efforts.
My niece loves them because she loves having her own "cards". lol
Oh goodness, she's gonna take after you...watch out world...LOL.

Honestly, even folks with good/excellent credit get these from time to time. I would just laugh it out and shred them. Some individuals who want to prove a point even go through the lentghs of shredding the inserts and sending them back to the issuer.

Yeah my mom said she gets them too and I know she has excellent credit. I do laugh inside my head because I got approved for awesome cards so sometimes I get puzzled!! Yeah she has one of my old wristlet wallets lol. My mom got an AE application in the mail and it came with a fake see through plastic card (like with Blue, BCE etc). so I gave it to her and told her to buy stuff!! Lol.

Re: First Premier um..

Involver — Sat, 04 Jan 2014 18:21:19 GMT

I dont think that this is something that should be taken personally.

I would take it more personally if companies were sending me invites to credit products that I would be a gaurantee decline for simply as a way to pad their numbers and get people to app.

Even then, no. It's business.

Re: First Premier um..

Anonymous — Sat, 04 Jan 2014 19:56:32 GMT

@killer_queen229 wrote:
Still sending me pre approval apps!! I give the cardboard cards to my niece (who is 4) so she can play with them. I don't know why, but I feel insulted when companies like that send me things.

at least that's not ridiculous as Discover sending me another app after I already have the same exact card. hahahha

Re: First Premier um..

negg — Sat, 04 Jan 2014 20:18:03 GMT

I get these offers with a starting line of $700. And credit one still sends me offers for a line of $1500. And since I get very little mail these days, it gives me the opportunity to Bust out theshredder.

Re: First Premier um..

Anonymous — Sat, 04 Jan 2014 20:20:56 GMT

It's been quite a while since I received one of their offers, but I did receive them for several months after my credit transitioned from the "fair" to the "very good" range. I don't see it as anything to be insulted about. They receive lists of individuals who meet certain criteria and mail out offers... it's all just business.

Re: First Premier um..

Anonymous — Sat, 04 Jan 2014 20:25:31 GMT

DBF and I still get them all the time too even with 720+ scores and a wallet full of prime cards. Just shredded one from CreditOne this morning. It's certainly nothing to take personally!

Re: First Premier um..

MissCredit9 — Sat, 04 Jan 2014 20:27:27 GMT

I must say I love ALL my offers. It started with Credit One, then came Fingerhut followed by First Premier and finally Discover! Feels so good getting CC offers for the first time in my life at the age of 30. I personally don't want any of those tradelines but it feels damn good to be courted by creditors at last.

Re: First Premier um..

FinStar — Sat, 04 Jan 2014 20:57:50 GMT

@MissCredit9 wrote:
I must say I love ALL my offers. It started with Credit One, then came Fingerhut followed by First Premier and finally Discover! Feels so good getting CC offers for the first time in my life at the age of 30. I personally don't want any of those tradelines but it feels damn good to be courted by creditors at last.

See OP, some individuals don't mind getting these offers. Different strokes for different folks.

Re: First Premier um..

amdm2013 — Sun, 05 Jan 2014 07:35:09 GMT

I got my CreditOne cc last week. I even paid for the design I wanted. Even though I have nine other cards, I'm using this to buy my daily coffee

Re: First Premier um..

Anonymous — Sun, 05 Jan 2014 07:41:31 GMT

There's no need to feel insulted. To be fair, your profile isn't too far off from their "target" customers. All these banks do for preapprovals is that they request a list of names and address of people who fit into the criteria they had listed, and the CRAs return them with a list. The letters are then auto generated and sent out, sometimes by unpaid interns it's pretty much the same thing for most other financial services products.

Re: First Premier um..

chwebb1 — Sun, 05 Jan 2014 07:53:56 GMT

@amdm2013 wrote:
I got my CreditOne cc last week. I even paid for the design I wanted. Even though I have nine other cards, I'm using this to buy my daily coffee

Why would you get a CreditOne card when you have a BoA card? Aren't the fees much more reasonable on the BoA card?

Re: First Premier um..

amdm2013 — Sun, 05 Jan 2014 07:58:54 GMT

@chwebb1 wrote:
@amdm2013 wrote:
I got my CreditOne cc last week. I even paid for the design I wanted. Even though I have nine other cards, I'm using this to buy my daily coffee
Why would you get a CreditOne card when you have a BoA card? Aren't the fees much more reasonable on the BoA card?

They are! I use my other cards for major purchases only. This one, with a credit limit of $300, is exactly what I need ... only for misc. purchases.

Re: First Premier um..

B335is — Sun, 05 Jan 2014 10:48:40 GMT

My mom used to say "be thankful you're getting any mail, someone's thinking of you." However, I'd take a letter from First Premier over the IRS anytime.

I'm one of those people Finstar mentioned that returns blank applications to them. The Post Office needs the work.

Re: First Premier um..

CreditMagic7 — Sun, 05 Jan 2014 17:26:29 GMT

For me Premier mailed the same $700 preapproval many others have seen the last quarter of 2013. It came on the heels after a flurry of Prime lender offers so i assume it's a pattern after your credit begins to improve noticeably. The starting limit after their high fees are assessed first said 525.00

Re: First Premier um..

FixingMyCreditASAP — Sun, 05 Jan 2014 19:30:02 GMT

First Premier has been good to me outside of the initial "fee". At the same time though, my credit was a good sign that I couldn't be trusted with money so I understood the "fee". They wanted to pad their risk. Now that I've had the card for awhile, it's helped my get better cards with higher limits. Cards that'll grow. Just don't plan on carrying a balance.