What I got today:
1) Pre-app from Discover personal loans. I guess they SPed me recently. That's when I had 7k+ in CC debt. No use now, and otherwise as well, not of great use. Most of the debt were in 0% APR CCs. Anyway.
2) Doc requirements from Chase. For Interest withholding and **bleep**. Will go to bank tomorrow / Saturday and figure things out.
3) A paper copy of the same email that AMEX sent me over the weekend about the CLI. Wish it was a new CLI.
4) Secure message from Chase confirming that my CCs have been consolidated. No more Slate. Freedom is 2k.
I'm sensing that opting in for prescreening has started a floodgate. No problem. CRs are frozen 
@Ghoshida wrote:What I got today:
1) Pre-app from Discover personal loans. I guess they SPed me recently. That's when I had 7k+ in CC debt. No use now, and otherwise as well, not of great use. Most of the debt were in 0% APR CCs. Anyway.
2) Doc requirements from Chase. For Interest withholding and **bleep**. Will go to bank tomorrow / Saturday and figure things out.
3) A paper copy of the same email that AMEX sent me over the weekend about the CLI. Wish it was a new CLI.
4) Secure message from Chase confirming that my CCs have been consolidated. No more Slate. Freedom is 2k.
I'm sensing that opting in for prescreening has started a floodgate. No problem. CRs are frozen
I opted out, so i don't have to deal with those pesky spam mails. soon don't have to deal with them.... mwahahahahaha
@Anonymous wrote:
@Ghoshida wrote:What I got today:
1) Pre-app from Discover personal loans. I guess they SPed me recently. That's when I had 7k+ in CC debt. No use now, and otherwise as well, not of great use. Most of the debt were in 0% APR CCs. Anyway.
2) Doc requirements from Chase. For Interest withholding and **bleep**. Will go to bank tomorrow / Saturday and figure things out.
3) A paper copy of the same email that AMEX sent me over the weekend about the CLI. Wish it was a new CLI.
4) Secure message from Chase confirming that my CCs have been consolidated. No more Slate. Freedom is 2k.
I'm sensing that opting in for prescreening has started a floodgate. No problem. CRs are frozen
I opted out, so i don't have to deal with those pesky spam mails. soon don't have to deal with them.... mwahahahahaha
Well I have opted out and back in twice now. Never been able to be out for more than 5 months.
The problem with being opted out is that pre-app sites don't make any sense. I know, I'm gardening, and not apping for another 5-6 months at least. Still, I'd like to feel like corporations approve of me 
My Discover Cashback Checking Debit card!
lol I wish I had your problems of too much spam mail. To date I have not had ONE single mail offer for a credit card. What makes it more frustrating is my mom has recently started getting mailings from Barclay's, and each time I look with excitement to see if it's for me. Nope. 
@14Fiesta wrote:My Discover Cashback Checking Debit card!
lol I wish I had your problems of too much spam mail. To date I have not had ONE single mail offer for a credit card. What makes it more frustrating is my mom has recently started getting mailings from Barclay's, and each time I look with excitement to see if it's for me. Nope.
You sure you're not opted out?
@Ghoshida wrote:
@14Fiesta wrote:My Discover Cashback Checking Debit card!
lol I wish I had your problems of too much spam mail. To date I have not had ONE single mail offer for a credit card. What makes it more frustrating is my mom has recently started getting mailings from Barclay's, and each time I look with excitement to see if it's for me. Nope.
You sure you're not opted out?
I'm positive. I never went to that website to opt out, however just to make sure, I did opt in just in case I was auto opted out for some reason.
@14Fiesta wrote:
@Ghoshida wrote:
@14Fiesta wrote:My Discover Cashback Checking Debit card!
lol I wish I had your problems of too much spam mail. To date I have not had ONE single mail offer for a credit card. What makes it more frustrating is my mom has recently started getting mailings from Barclay's, and each time I look with excitement to see if it's for me. Nope.
You sure you're not opted out?
I'm positive. I never went to that website to opt out, however just to make sure, I did opt in just in case I was auto opted out for some reason.
Last time I opted out was because I drapped for Slate and I didn't want any more of this CC nonsense. Then I figured out about CR freezing from others here. So now, I can protect myself from drapping while still basking in the pre-app glory. (OK, so far no other than Credit One, but one day... )
@Ghoshida wrote:
@Anonymous wrote:
@Ghoshida wrote:What I got today:
1) Pre-app from Discover personal loans. I guess they SPed me recently. That's when I had 7k+ in CC debt. No use now, and otherwise as well, not of great use. Most of the debt were in 0% APR CCs. Anyway.
2) Doc requirements from Chase. For Interest withholding and **bleep**. Will go to bank tomorrow / Saturday and figure things out.
3) A paper copy of the same email that AMEX sent me over the weekend about the CLI. Wish it was a new CLI.
4) Secure message from Chase confirming that my CCs have been consolidated. No more Slate. Freedom is 2k.
I'm sensing that opting in for prescreening has started a floodgate. No problem. CRs are frozen
I opted out, so i don't have to deal with those pesky spam mails. soon don't have to deal with them.... mwahahahahaha
Well I have opted out and back in twice now. Never been able to be out for more than 5 months.
The problem with being opted out is that pre-app sites don't make any sense. I know, I'm gardening, and not apping for another 5-6 months at least. Still, I'd like to feel like corporations approve of me
i am opted in just in case that some of these companies decide to offer me an nice card with an 50k+ signup bonus:-) I can hold off apping for the bad cards and bad offers :-)
