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So what did you get in the mail today?


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More BT checks .. this time from BOA. .. and ANOTHER renewal advice from AARP -- despite my membership not being due until December. They have been sending me renewals since February... (UGH) I'm considering not renewing at all............................................

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BT checks from Citi (now with the fee dropped from 5% back down to 3%)   Automobile title from payoff of our last auto loan.

Got some medicine for my cancer. It came overnight. Yeah.

I think the whole "you need an installment loan reporting" exposes one of the weaker side of FICO credit scoring.  You can't tell me that among stronger credits, the presence of an installment isn't a

I received two ITA's from AMEX, one for the Green Card (no AF for the first year, $95 after that, 20k bonus for $1000 spend) and one for the Blue Cash Everyday Card (no AF, terrible APR, but a minimum $500 CL and tiered cash back).

 

This is a pretty exciting mail call for me. I've been working really hard on my credit for the past few years, and after opening two secured cards, today is the first day in the last 6+ years that I've received a legitimate unsecured CC offer in the mail.

 

Also, side note, it's pretty clear AMEX is sending offers based on my Equifax score, which is easily (and weirdly?) 30 points above the other two.

Edited by 5YearsASlave
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Blue Cash Everyday Card (no AF, terrible APR, but a minimum $500 CL and tiered cash back).

 

APR doesn't matter if you PIF

 

 

Very much agree, just a nod to the fact that my credit is still recovering and I'll be seeing 24% APR's for awhile. Which suits me just fine. :D

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- Request to donate reusable items to the Vietnam Veterans of America

 

- "As a recent new homeowner..." I "...may qualify to purchase Mortgage Life and Disability insurance..." Not exactly... we just refinanced this house, which I bought in 2004.

 

- A Pre-Qualified* offer for a personal loan from $15,000 to $100,000 from LoanMe.

 

* TERMS AND CONDITIONS:

 

[takes up 2/3 of the back of the letter]

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Got 3 cards

 

Chase Amazon visa $3k

 

Sync Car Care $1k

 

Comenity Marathon Visa $1k

 

Zales Jewelry $2k

 

 

Okay, I have zero info on your plans for or other current CCs. I don't know you. I don't recall any of your other posts about your current profile.

 

Based only on what you posted, please stop app'ing for toy cards.

 

I hope you have specific reasons for each. If not, get a plan before app'ing again.

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