First Premier Bank Pre-Approval Mailer

Credit_hawk · ‎04-23-2016

Today I received a pre-approval for a First Premier card for $1,000 at an eye watering 36% interest and $130 service changes with an annual fee of $46. I have pretty good credit as you can see in my signature and have some of the better cards out there. How do I still get mail occasionally from these subprime guys? I thought I would have scored out of their target audience a while back.

Do do any of you guys with good/excellent credit get these crappy things still? Is it weird that I get slightly offended by receiving these offers with my scores?

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)

Anonymous · ‎04-23-2016

Put on the envelope: RTS-KMA! DROP IR IN THE NEAREST MAILBOX.

Anonymous · ‎04-23-2016

They are just trying to see if you will take the bait.. They have to do some marketing somehow and you were one of the chosen few..

grillandwinemaster · ‎04-23-2016

But haven't you heard? There the official credit card for NASCAR??!!

Lol

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

Kutuzov · ‎04-23-2016

Great Offer!!! Take it!!!!

I still get occasionally a Credit one mailer, but not First Premier. The deal is similar anyways, and no grace period for purchases, that's awesome I love to pay interest from the day I do the purchase. Anyways I got like 5-10 between me and my wife citi offers, most for the 2% cash back but for others too, I'll pass for now.

Gardening since 03/25/2016. Discover FICO 705 (4/21/16).
Discover It 2000, Barclay Ring 7100, Capital One QS 7000, Amazon sc 6000, Chase AARP 2500, Barclay Rewards 500

grillandwinemaster · ‎04-23-2016

Oh wait, never mind, I think that's Credit 1. Well In that case, send it to the shredder! Lol

Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017

Anonymous · ‎04-23-2016

@Credit_hawk wrote:
Today I received a pre-approval for a First Premier card for $1,000 at an eye watering 36% interest and $130 service changes with an annual fee of $46. I have pretty good credit as you can see in my signature and have some of the better cards out there. How do I still get mail occasionally from these subprime guys? I thought I would have scored out of their target audience a while back.

Do do any of you guys with good/excellent credit get these crappy things still? Is it weird that I get slightly offended by receiving these offers with my scores?

It's shotgun marketing. They throw that big net out there, in the form of mass mailers, knowing they are going to snag some stupid fish. Back when I took a FP offer, I was actually more desperate for a card, than I was stupid. I closed them a long time ago.

Creditplz · ‎04-23-2016

Try flushing it down the toilet

Loquat · ‎04-24-2016

I still get them occasionally...what's interesting is how the CL limit changes from one mailer to the next. Sometimes its $500, then $1000, and back to $500.

Berk · ‎04-24-2016

I got so many "pre approval" offers from sub prime lenders (and a bunch offering prime cards) that I just removed myself from receiving pre screened offers. 7-10 offers a week at times. Didn't want to burn out the motor on my shredder.