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Snail mail blowing up with cedit card offers.
Posted by: h'
Date: January 25, 2006 08:17PM
Not that I've never received one before, but very suddenly I'm getting 3 or 4 credit card offers a day in the mail.
Does anyone know what sorts of things would trigger this?
Thanks,
-h'



I suffer from the same sensitivity that you do. A few nuggets of wisdom were shared with me and I'm "trying" to incorporate them into my life. First, remember that nobody can hurt your feelings unless you let them. You can always reject what is being forced on you emotionally.
Second, nothing changes unless you change it. If you don't want the behavior to be repeated then you need to take action. Otherwise the kid has learned that his behavior is the way to get things done, because everyone lets him get away with it.
In the meantime I sympathize because I've been there.
-beerman
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Re: Snail mail blowing up with cedit card offers.
Posted by: elmo3
Date: January 25, 2006 08:22PM
It's a seasonal thing.

Same thing is happening here.

What's your credit score? That'll have an effect.



---------------


In the words of DharmaDog: "it may or may not be utter horse@#$%&, but it shouldn't be dismissed simply because it doesn't agree with your opinion."

Never underestimate the power of stupid people in large groups.

Trying is the first step to failure. -- Homer Simpson
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Re: Snail mail blowing up with cedit card offers.
Posted by: Dennis S
Date: January 25, 2006 08:22PM
Mail Preference Service
c/o Direct Marketing Association
PO BOX 9008
Farmingdale, NY 11735-9008

Ask them to remove you from mailing lists.
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Re: Snail mail blowing up with cedit card offers.
Posted by: Jimmypoo
Date: January 25, 2006 09:00PM
take them all.... cash advance each to the max, file bankruptcy and move to Bolivia.

You'll live like a king!
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Re: Snail mail blowing up with cedit card offers.
Posted by: h'
Date: January 25, 2006 09:11PM
elmo3 Wrote:
-------------------------------------------------------
> It's a seasonal thing.
>
> Same thing is happening here.
>
> What's your credit score? That'll have an effect.
>
It's pretty high. But it has been for a long time.
I would guess it's taken a hit in the last few months now that I've gone from one to 3 mortgages and probably had my score pulled a zillion times.

What other things can trigger it though? Opening a bank account? Applying for new utility service of some sort?
Spending more money each month?

I'm not surprised yours is high too Elmo. You seem like someone who would be pretty cautious in your dealings.



I suffer from the same sensitivity that you do. A few nuggets of wisdom were shared with me and I'm "trying" to incorporate them into my life. First, remember that nobody can hurt your feelings unless you let them. You can always reject what is being forced on you emotionally.
Second, nothing changes unless you change it. If you don't want the behavior to be repeated then you need to take action. Otherwise the kid has learned that his behavior is the way to get things done, because everyone lets him get away with it.
In the meantime I sympathize because I've been there.
-beerman
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Re: Snail mail blowing up with cedit card offers.
Posted by: blooz
Date: January 25, 2006 09:11PM
I get an envelope from Citibank about once a month marked "Last Chance". I usually shred them but I may start opening them and sending the return postage paid envelope back empty.



And we should consider every day lost on which we have not danced at least once.
—Friedrich Nietzsche
Western Massachusetts
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Re: Snail mail blowing up with cedit card offers.
Posted by: h'
Date: January 25, 2006 09:12PM
Dennis S Wrote:
-------------------------------------------------------
> Mail Preference Service
> c/o Direct Marketing Association
> PO BOX 9008
> Farmingdale, NY 11735-9008
>
> Ask them to remove you from mailing lists.

thanks-- doesn't really bother me that much-- if anything it gives me reassurance that at least some of my mail is getting to me. It just goes in the recycling.






I suffer from the same sensitivity that you do. A few nuggets of wisdom were shared with me and I'm "trying" to incorporate them into my life. First, remember that nobody can hurt your feelings unless you let them. You can always reject what is being forced on you emotionally.
Second, nothing changes unless you change it. If you don't want the behavior to be repeated then you need to take action. Otherwise the kid has learned that his behavior is the way to get things done, because everyone lets him get away with it.
In the meantime I sympathize because I've been there.
-beerman
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Re: Snail mail blowing up with cedit card offers.
Posted by: h'
Date: January 25, 2006 09:14PM
blooz Wrote:
-------------------------------------------------------
I usually shred them but I
> may start opening them and sending the return
> postage paid envelope back empty.

I did that once or twice in a previous life in which junk mail seemed worthy of a smidgen of my time.





I suffer from the same sensitivity that you do. A few nuggets of wisdom were shared with me and I'm "trying" to incorporate them into my life. First, remember that nobody can hurt your feelings unless you let them. You can always reject what is being forced on you emotionally.
Second, nothing changes unless you change it. If you don't want the behavior to be repeated then you need to take action. Otherwise the kid has learned that his behavior is the way to get things done, because everyone lets him get away with it.
In the meantime I sympathize because I've been there.
-beerman
Options:  Reply • Quote
Re: Snail mail blowing up with cedit card offers.
Posted by: Jimmypoo
Date: January 25, 2006 09:30PM
you are supposed to adhere them to bricks, etc.

Don't you have a copy of Steal This Book ????
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Re: Snail mail blowing up with cedit card offers.
Posted by: blooz
Date: January 25, 2006 09:40PM
I went to the bookstore to steal it, but they were sold out.



And we should consider every day lost on which we have not danced at least once.
—Friedrich Nietzsche
Western Massachusetts
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Re: Snail mail blowing up with cedit card offers.
Posted by: Seacrest
Date: January 25, 2006 09:59PM
blooz Wrote:
-------------------------------------------------------
> I went to the bookstore to steal it, but they were
> sold out.
>

No. Actually, I had stolen them all.

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Re: Snail mail blowing up with cedit card offers.
Posted by: MacMagus
Date: January 25, 2006 10:26PM
> What other things can trigger it though? Opening a bank
> account? Applying for new utility service of some sort?
> Spending more money each month?

Usually, it's a new phone/utility service that triggers it -- they do a credit check and sell your info before they finish setting up an account.

Sometimes, when you pay off a substantial portion of an old debt, it'll trigger their computers to flood you with offers.

Sometimes when you open a new consumer credit account or bank loan or if you consolidate debt you'll get flooded because it gets out that you're seeking credit.

Sometimes it's a matter of affiliations -- unions, credit unions, alumni organizations, etc. have joint ventures with some of the credit card companies where they get money for each signup or a percentage of your spending trickles down to them for a year or two after you get the card. These things are usually seasonal and as was mentioned, it is the beginning of the Spring fundraising season.
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Re: Snail mail blowing up with cedit card offers.
Posted by: h'
Date: January 25, 2006 11:01PM
Wow, you know a lot about this!

I'm leaning heavily towards it being my new loans because I'm also getting bombarded with offers from those companies that want to make my mortgage payments if I'm incapacitated.

I guess the fact that my dept has risen to ear-level makes me an attractive credit card user somehow. They can smell the fear . . .

But I've also opened a new bank account and switched phone providers.


MacMagus Wrote:
-------------------------------------------------------
> > What other things can trigger it though?
> Opening a bank
> > account? Applying for new utility service of
> some sort?
> > Spending more money each month?
>
> Usually, it's a new phone/utility service that
> triggers it -- they do a credit check and sell
> your info before they finish setting up an
> account.
>
> Sometimes, when you pay off a substantial portion
> of an old debt, it'll trigger their computers to
> flood you with offers.
>
> Sometimes when you open a new consumer credit
> account or bank loan or if you consolidate debt
> you'll get flooded because it gets out that you're
> seeking credit.
>
> Sometimes it's a matter of affiliations -- unions,
> credit unions, alumni organizations, etc. have
> joint ventures with some of the credit card
> companies where they get money for each signup or
> a percentage of your spending trickles down to
> them for a year or two after you get the card.
> These things are usually seasonal and as was
> mentioned, it is the beginning of the Spring
> fundraising season.








I suffer from the same sensitivity that you do. A few nuggets of wisdom were shared with me and I'm "trying" to incorporate them into my life. First, remember that nobody can hurt your feelings unless you let them. You can always reject what is being forced on you emotionally.
Second, nothing changes unless you change it. If you don't want the behavior to be repeated then you need to take action. Otherwise the kid has learned that his behavior is the way to get things done, because everyone lets him get away with it.
In the meantime I sympathize because I've been there.
-beerman
Options:  Reply • Quote
Re: Snail mail blowing up with cedit card offers.
Posted by: roshi
Date: January 26, 2006 12:29AM
get a shredder - a studly one that can handle 20 pages at once - shred all the offers.

people can order credit cards in your name very easily if they have just one of those offers.
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Re: Snail mail blowing up with cedit card offers.
Posted by: elmo3
Date: January 26, 2006 06:19AM
h' Wrote:
-------------------------------------------------------
> > What's your credit score? That'll have an
> effect.
> >
> It's pretty high. But it has been for a long
> time.
> I would guess it's taken a hit in the last few
> months now that I've gone from one to 3 mortgages
> and probably had my score pulled a zillion times.

Believe it or not, that may have *improved* your credit score--or at least given these companies the idea that you're a better candidate than you were before.


> I'm not surprised yours is high too Elmo. You seem
> like someone who would be pretty cautious in your
> dealings.

I have my wife to thank for that, frankly.



---------------


In the words of DharmaDog: "it may or may not be utter horse@#$%&, but it shouldn't be dismissed simply because it doesn't agree with your opinion."

Never underestimate the power of stupid people in large groups.

Trying is the first step to failure. -- Homer Simpson
Options:  Reply • Quote
Re: Snail mail blowing up with cedit card offers.
Posted by: Racer X
Date: January 26, 2006 11:36AM
standard post Xmas. they want to capture all the people who overspent and need more credit, or want to transfer for a really low rate. then you slip up once and have 10 grand at 21% APR.
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