First Premier um..

[Anonymous]

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@B335is wrote:
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.

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Seems a little unfair to me.  The person who opens the forms isn't the one who decided to send them to you, and, for all we know, ends up getting penalized for failing to meet a "successful applications" target because of the wasted time.

It also increases the costs of doing business, which might be fine if it caused them to mail less, but I suspect they just pass on the cost, which means that those who DO need these cards end up paying even higher fees.

But each to their own...

[coldnmn]

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@Anonymous wrote:

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@B335is wrote:
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.

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Seems a little unfair to me.  The person who opens the forms isn't the one who decided to send them to you, and, for all we know, ends up getting penalized for failing to meet a "successful applications" target because of the wasted time.

It also increases the costs of doing business, which might be fine if it caused them to mail less, but I suspect they just pass on the cost, which means that those who DO need these cards end up paying even higher fees.

But each to their own...

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+ 1000

[B335is]

Seeing they pay someone to scour matching credit profiles and mass flood mailboxes everywhere, I don't lose sleep returning their junk mail. They should do a better job filtering credit files and quit sending someone with a 780 Fico score pre approvals.

[peaceonearth]

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@FixingMyCreditASAP wrote:

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.

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<<<<<Current Cards - Harley Visa 300 Secured / First Premiere 500 unsecured / Just got approved for 500 Walmart, and 750 Barclays reward card./500 Credit One / 350 Express>>>>>>

What is 350 Express?

[notfancy]

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@peaceonearth wrote:

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@FixingMyCreditASAP wrote:

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.

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<<<<<Current Cards - Harley Visa 300 Secured / First Premiere 500 unsecured / Just got approved for 500 Walmart, and 750 Barclays reward card./500 Credit One / 350 Express>>>>>>

What is 350 Express?

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Clothing store: http://www.express.com/

[indiolatino61]

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@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. 

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FP send those things to everyone and anyone...lol. For example, I still get FP offers on the creditcard.com site. I obviously don't need to rebuild any longer, but I guess they're hoping I go back to my horrible credit ways...lol.

[FinStar]

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@Anonymous wrote:

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@B335is wrote:
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.

---

Seems a little unfair to me.  The person who opens the forms isn't the one who decided to send them to you, and, for all we know, ends up getting penalized for failing to meet a "successful applications" target because of the wasted time.

It also increases the costs of doing business, which might be fine if it caused them to mail less, but I suspect they just pass on the cost, which means that those who DO need these cards end up paying even higher fees.

But each to their own...

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Actually, you'd be very surprised on some of the sophisticated remittance and correspondende handling processes that most lenders have,  Some of their scanning equipment are able to detect/decipher any "junk" return mail (i.e from disgruntled folks who made it a point to send a message with the shredded apps) which get intercepted and shredded from those that are an actual filled out form or application.  So, while there is some manpower involved with handling some exception correspondence items, most machines pretty much do the work.  So, their feelings are not hurt.

[baller4life]

Hahahaha got a pre-approval in the mail today. Cut it up into little pieces!

[Anonymous]

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@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. 

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Soooooooo OPT OUT, and never see another offer again mailed to you.

[peaceonearth]

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@baller4life wrote:
Hahahaha got a pre-approval in the mail today. Cut it up into little pieces!

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One member said that he sends back the approval blank to them. I like that idea! next time I get one of these Credit One or First Prmier app I just mail bak to them blank with a BIG X across.

This First Primier is robbing people with their high hidden fees..