I keep getting a preaproval in both mail and email for First Premier card

[Anonymous]

I keep getting mail and email from from First Premier bank. I read the terms and wow what a fee there is. I don't mind the mail and I will opt out soon what I need is to know what you guys think if I should apply my.. fico scores ranged from 652-684 my cards

Home depot consumer credit card CL $6000
WAL-MART Store Card CL $5000
Bank of America cash rewards CL $3000
Quicksilver One MC CL$2000
Quicksilver Platinum Visa CL$3000
Care Credit CL $5500
WELLS FARGO SECURED CARE

[pizza1]

you're joking right?

Why would you want FP with your current line up? Heck you could wait 3-6 months, and cold for Venture and probably get $5k-$10K easy...

Personally...I wouldnt do it.

[GoldSorata]

Stay far away, your credit profile is much too good for that

[Anonymous]

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@Anonymous wrote:
I keep getting mail and email from from First Premier bank. I read the terms and wow what a fee there is. I don't mind the mail and I will opt out soon what I need is to know what you guys think if I should apply my.. fico scores ranged from 652-684 my cards

Home depot consumer credit card CL $6000
WAL-MART Store Card CL $5000
Bank of America cash rewards CL $3000
Quicksilver One MC CL$2000
Quicksilver Platinum Visa CL$3000
Care Credit CL $5500
WELLS FARGO SECURED CARE

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Anyone who says you should needs to be checked in to the nearest mental hospital.

[Anonymous]

Here I am. Anybody want a Snickers?

[Anonymous]

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@Anonymous wrote:
Here I am. Anybody want a Snickers?

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You know me, I'm a twix guy. Right side please.

[Anonymous]

Fingerhut sell Twix in their catalog? I'm buying!

[Anonymous]

New Millenium Bank. Fingerhut. First Premier...and what were those others?

Want to buy a bridge? Have I got a deal for you!

If you want sound advice. Don't go there.

[CreditMagic7]

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@Anonymous wrote:
I keep getting mail and email from from First Premier bank. I read the terms and wow what a fee there is. I don't mind the mail and I will opt out soon what I need is to know what you guys think if I should apply my.. fico scores ranged from 652-684 my cards

Home depot consumer credit card CL $6000
WAL-MART Store Card CL $5000
Bank of America cash rewards CL $3000
Quicksilver One MC CL$2000
Quicksilver Platinum Visa CL$3000
Care Credit CL $5500
WELLS FARGO SECURED CARE

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I was just explaining this exact very thing to a friend of mine yesterday. It's a sign that your credit profile is improved and in the stages of advancing forward. I also reminded her (it happened to me the same way) to also be on the lookout in the mail for enticing offers from OneMain Finance and others who would love nothing more than for their names to show up your credit report so that when current lenders or prospective new ones see them there it will raise the red flag.

Those offers are coming to test your resolve. You have begun to establish good credit and they want to trash it, pure and simple.

Don't bite PERIOD! Just know that it's a good sign for your personal credit

[Anonymous]

From my stepdad's experience, once you're in First Premier's radar, you'll never escape the pre-approvals. And, in his case, every time he checks online pre-quals, it seems he gets yet another pre-approval in the mail. Since he had an account before, I honestly believe that they might have something in their system that sets off when a previous 'customer' (victim, more like...) is looking for credit, so that they can get on them again...