My first-ever credit card junk mail!

Anonymous · ‎10-18-2017

And it's not even from Credit One! It's from Cap1. QSR, normal APR multiplicity.

Question though... I'm not 21 yet and I never did the opt-in. Was that legal of them? I don't have a Cap1 card but I do bank with them.

Anonymous · ‎10-18-2017

Of course it's legal, why would it be illegal???

Anonymous · ‎10-18-2017

My guess is that since you bank with them, somewhere in your ToS they have you allow them to do that. You're over 18, so anything is legal

fltireguy · ‎10-18-2017

@Anonymous wrote:
Of course it's legal, why would it be illegal???

Because there provisions I'm the CARD act that regulate marketing to persons under 21 years old

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

Anonymous · ‎10-18-2017

@fltireguy wrote:
@Anonymous wrote:
Of course it's legal, why would it be illegal???
Because there provisions I'm the CARD act that regulate marketing to persons under 21 years old

Give me a break. The OP banks with them. That's why he/she got marketing material. Not even a pre approval because of multiple apr's...unreal.

AverageJoesCredit · ‎10-19-2017

Welcome to the world of credit

Anonymous · ‎10-29-2017

Of course its legal. Only if you OPT OUT would it be illegal