topic Re: CarolWright Gifts Pre-Approval in Credit Cards

CarolWright Gifts Pre-Approval

SunriseEarth — Thu, 23 Jan 2014 05:41:48 GMT

In today's mail, I received a pre-approval for the CarolWright Gifts catalog for a $400 CL. The terms are extremely reasonable for people in certain parts of the US (5.75% APR for folks in AR) and fairly ho-hum for others (being in CA, my APR would be 22.5%, which is their highest APR).

The catalog definitely seems like something from another era (well, for the most part, but keep reading to see what I mean). The goods present might be what happened if Fingerhut and Haband ran a joint catalog. There's a lot of simple household items and some very plain clothing for women, as well as some "as seen on TV" type knick-knacks. However, there was a two page spread with "adult" goods that I found shocking (no, I'm far from prudish...just wasn't expecting adult toys in a catalog that sells knee-highs and moo-moos!).

Anyway, this seems to be an interesting offer for those looking to rebuild. I think the terms are more amenable than Fingerhut and I'd consider taking their offer if I was in a position where it made sense for me.

Re: CarolWright Gifts Pre-Approval

sr383 — Thu, 23 Jan 2014 05:53:45 GMT

Adult toys?! I wouldn't expect that from CarolWright, either. Maybe they were old-fashioned household goods that somehow resemble modern sex toys. ;-)

Re: CarolWright Gifts Pre-Approval

SunriseEarth — Thu, 23 Jan 2014 06:02:03 GMT

@sr383 wrote:
Adult toys?! I wouldn't expect that from CarolWright, either. Maybe they were old-fashioned household goods that somehow resemble modern sex toys. ;-)

Maybe Carol is getting a little wild in her old age. I'd take a picture, but I'm pretty sure I'd be violating TOS...LOL. But on that spread, there are products with headlines like "The Amazing Butterfly Kiss" and "Sensual Indulgence" and "Delightful Heights of Bliss" that among the ones I feel comfortable typing in a family forum.

Re: CarolWright Gifts Pre-Approval

Creditaddict — Thu, 23 Jan 2014 06:05:05 GMT

It doesn't report so not worth it.... I tested ordering last year after getting one of those catalogs

Re: CarolWright Gifts Pre-Approval

SunriseEarth — Thu, 23 Jan 2014 06:40:43 GMT

@Creditaddict wrote:
It doesn't report so not worth it.... I tested ordering last year after getting one of those catalogs

Yuck. PASS!

Re: CarolWright Gifts Pre-Approval

jamesdwi — Thu, 23 Jan 2014 18:05:54 GMT

if you do order anything from them, it might be good to add an oversized mail box, one order from that type of company will net you 20 more catalogs a month with simular pre-approved credit card offers, and twice that many during christmas, in 2012 I got at least a dozen simular catalogs a week, thankfully I didn't order so most of them didn't return this year.

For strictly rebuilding try the shopping cart trick, good tradelines, with only an AAoA hit, no HP's. Will grow slowly after 9 months of age, every 3-4 months with small or even no usage.

Re: CarolWright Gifts Pre-Approval

indiolatino61 — Thu, 23 Jan 2014 18:25:09 GMT

@SunriseEarth wrote:
In today's mail, I received a pre-approval for the CarolWright Gifts catalog for a $400 CL. The terms are extremely reasonable for people in certain parts of the US (5.75% APR for folks in AR) and fairly ho-hum for others (being in CA, my APR would be 22.5%, which is their highest APR).

The catalog definitely seems like something from another era (well, for the most part, but keep reading to see what I mean). The goods present might be what happened if Fingerhut and Haband ran a joint catalog. There's a lot of simple household items and some very plain clothing for women, as well as some "as seen on TV" type knick-knacks. However, there was a two page spread with "adult" goods that I found shocking (no, I'm far from prudish...just wasn't expecting adult toys in a catalog that sells knee-highs and moo-moos!).

Anyway, this seems to be an interesting offer for those looking to rebuild. I think the terms are more amenable than Fingerhut and I'd consider taking their offer if I was in a position where it made sense for me.

That's hilarious! My DW just received a similar type catalog and next to some kind of pasta strainer gizmo is an ad for a "male enhancement" vacuum gizmo...lol. These catalogs are getting weird.

Re: CarolWright Gifts Pre-Approval

gdale6 — Thu, 23 Jan 2014 19:41:11 GMT

As others have stated it does not report. CW is part of a company that puts out 6 or 7 catalogs under different names (Dr Leonards, Healthy Living, etc) the credit is offered by Amerimark Premier and they give it pretty much to anyone who can breathe, they only report if you default.

Re: CarolWright Gifts Pre-Approval

SunriseEarth — Thu, 23 Jan 2014 20:52:40 GMT

@gdale6 wrote:
As others have stated it does not report. CW is part of a company that puts out 6 or 7 catalogs under different names (Dr Leonards, Healthy Living, etc) the credit is offered by Amerimark Premier and they give it pretty much to anyone who can breathe, they only report if you default.

Very good info...TY!

It seems this offer only makes sense if you plan on ordering CarolWright products, live in AR, and want a hidden TL.

Re: CarolWright Gifts Pre-Approval

SunriseEarth — Thu, 23 Jan 2014 20:55:45 GMT

@indiolatino61 wrote:
@SunriseEarth wrote:
In today's mail, I received a pre-approval for the CarolWright Gifts catalog for a $400 CL. The terms are extremely reasonable for people in certain parts of the US (5.75% APR for folks in AR) and fairly ho-hum for others (being in CA, my APR would be 22.5%, which is their highest APR).

The catalog definitely seems like something from another era (well, for the most part, but keep reading to see what I mean). The goods present might be what happened if Fingerhut and Haband ran a joint catalog. There's a lot of simple household items and some very plain clothing for women, as well as some "as seen on TV" type knick-knacks. However, there was a two page spread with "adult" goods that I found shocking (no, I'm far from prudish...just wasn't expecting adult toys in a catalog that sells knee-highs and moo-moos!).

Anyway, this seems to be an interesting offer for those looking to rebuild. I think the terms are more amenable than Fingerhut and I'd consider taking their offer if I was in a position where it made sense for me.
That's hilarious! My DW just received a similar type catalog and next to some kind of pasta strainer gizmo is an ad for a "male enhancement" vacuum gizmo...lol. These catalogs are getting weird.

LOL. Oh my! Yeah, I think a lot of companies are making similar moves. I know Rite Aid's site had similar equipment. So does Amazon, for that matter. I guess there's a demand for these goods.