Credit card offers in already......
As some of you may know I got approved for a credit card last week. Today in the post I got offered one by another company. I havent even received my card in the post yet! Is the start start of my junk mail nightmare?!!!!!!
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Re: Credit card offers in already......
Originally Posted by Boylerz
(Post 4486534)
As some of you may know I got approved for a credit card last week. Today in the post I got offered one by another company. I havent even received my card in the post yet! Is the start start of my junk mail nightmare?!!!!!!
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Re: Credit card offers in already......
Originally Posted by Boylerz
(Post 4486534)
As some of you may know I got approved for a credit card last week. Today in the post I got offered one by another company. I havent even received my card in the post yet! Is the start start of my junk mail nightmare?!!!!!!
NC Penguin |
Re: Credit card offers in already......
go to http://www.optoutprescreen.com/
and register this will ensure you only get credit stuff from companies you already deal with |
Re: Credit card offers in already......
Originally Posted by BritGuyTN
(Post 4487141)
go to http://www.optoutprescreen.com/ and register
This will ensure you only get credit stuff from companies you already deal with |
Re: Credit card offers in already......
Originally Posted by NC Penguin
(Post 4486714)
Do you get this excited about offers about enlarging your penis too?:D
NC Penguin :p |
Re: Credit card offers in already......
Originally Posted by Pulaski
(Post 4489458)
It worked for Mrs P and me, though it took a good three months for the credit card offers to start to tail off, and more than a year for the full benefit to be felt.
the only ones i get now are from existing creditors or people like southwest or united that I have awards accounts with |
Re: Credit card offers in already......
Originally Posted by Pulaski
(Post 4489458)
It worked for Mrs P and me, more than a year for the full benefit to be felt.
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Re: Credit card offers in already......
Originally Posted by Boylerz
(Post 4486534)
As some of you may know I got approved for a credit card last week. Today in the post I got offered one by another company. I havent even received my card in the post yet! Is the start start of my junk mail nightmare?!!!!!!
Anything with an annual fee and an actual APR above 15% gets tossed in the trash in this house. |
Re: Credit card offers in already......
If your trying to build a US credit score one important factor in the FICO calculation is the % of available credit you actually use. Anything above say 35% is considered a negative. Basically you get rewarded for obtaining credit that you never use. It's worth getting a few cards and just not using them.
This is just one of many factors in the score but it is an important one. I managed to drive my score from mid 600's to 720'ish just by getting more cards without using the credit. There is a small ding on your score every time there is a credit check however, so bear that in mind. |
Re: Credit card offers in already......
Originally Posted by MrScotland
(Post 4498102)
If your trying to build a US credit score one important factor in the FICO calculation is the % of available credit you actually use. Anything above say 35% is considered a negative. Basically you get rewarded for obtaining credit that you never use. It's worth getting a few cards and just not using them.
This is just one of many factors in the score but it is an important one. I managed to drive my score from mid 600's to 720'ish just by getting more cards without using the credit. There is a small ding on your score every time there is a credit check however, so bear that in mind. |
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