First Premier um..

[k-s]

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!

[MissCredit9]

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.

[FinStar]

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@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.

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

[amdm2013]

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  

[enharu]

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.

[chwebb1]

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@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  

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

[amdm2013]

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@chwebb1 wrote:

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@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  

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

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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.

[B335is]

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.

[CreditMagic7]

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

[FixingMyCreditASAP]

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.