 So, i'm having an argument with my friend? |
| about identity theft. i just don't understand how people get away with it. say someone opened a credit account using someone else's info and made a bunch of purchases online with it...... |
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 Paypal question? |
| i signed up for paypal yesterday and on the paypal website it ways that they have deposted the funds into my account for the acount setup but when i look at my online banking to see what they are it ... |
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 Should I get this mastercard with these fees? |
Fees for Issuance or Availability of Credit Account Set-up Fee: $29.00 (one-time fee)
Program Fee: $95.00 (one-time fee)
Annual Fee: $48.00
Monthly Servicing Fee: $84.00 Annually++
... |
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 Hi i want to take a 10000 loan out start the new year a fresh and all sorted willing to set DD up etc? |
Hi there I want to start new year afresh willing to be open to offers re interest etc anyone genuine be able to help
make our life such a difference
had ccj so bank ... |
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 What is the best bank? I want to open an account and get a debit card? |
| Are there any banks that are offering special deals or gifts when you open a new account right now?... |
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 I screwed badly, I have $7,000 USD in debt with my Credit Card and no money to pay it back...? |
| Credit Card has been cancelled, and I receive a lot of calls from Colection Agency ... what can I do?... |
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 We have 15K debt from 3 credit cards? |
we have 3 credit cards and 2 of them carry a debt of 6500us$ each reaching max. credit limit of 6500us$ from bank of American and one credit card from capital one having 2000 debt...
we want to ... |
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 Is it better to close a credit card or? |
just keep it with a 0 balance?
Thank You :)... |
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 How can I take advantage of having good credit? |
| I live in SoCal/housing is too expensive to consider purchasing at this time but I have good credit- what else can I do to take advantage of this and remain responsible?... |
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 What are ways you can gain credit? |
| I have zero credit, and I don't want a credit card. What other ways can I improve my credit score?... |
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 I have a joint credit card with my future husband. We both have perfect credit. My mom insists we cancel it? |
| now. She states that I have made a huge mistake in my credit future. However, prior to opening the account, we (Adam and I) went to our financial advisor who stated that it would be very good for our ... |
|
 Advice on prepaid credit cards in the UK please? |
| Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ... |
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 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score? |
| I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ... |
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 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to? |
| i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ... |
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 Will Bank of America give me a small, SECURED loan with TERRIBLE credit? |
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 ... |
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 How can I rebuild my credit if I'm in bankruptcy and my credit score is 0? |
| I'm in my 5th year of Bankruptcy (ch.7), I've paid my mortgage on time, I have only applied for credit once during that time. I have no other credit cards or loans, I don't understand ... |
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Canadian Snow Bunny | Why do I get pre-selected for a credit card? |
Just to get it rejected?? |
 |
 
?
 |
Thank you for this question. That scenario has always pissed me off. I think the credit card companies must be like the girl in high school who needs validation and so dresses like a ho for attention. That way, when guys throw themselves at her, she can turn them down, but bolster her confidence by knowing that she's wanted.
Yeah, credit card companies are insecure, slutty chicks (who probably got hit by their fathers, too). It's sad, not funny. The CC companies should get counseling, for real, because they have issues. |
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skiracer712
|
All a pre-selected means, is that some company you do business with, a magazine subscription for example (could be just about anything), sold your name and address to a credit card company. the credit card company just slaps your name on a piece of paper and sends it to you. that is their preselection. than if you fill out the ap and send it back, then they actually look into if you are eligable or not for their credit card.
whether they take you or not, they now sell your information to other companies since you willingly gave it to them. Rinse, wash, repeat. |
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visvardis
 |
mass mailing they dont know anything about your specific credit history |
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heyonah
 |
Credit cards don't "pre-select" you. This is a phrase they use as a marketing strategy to get you to respond.
A common trick is for them to tell you that you have been "preselected" for a high line of credit card with this low interest rate. Further, you can do balance transfers with no interest for, say, one year.
Most people would be very interested in this prospect so they go through the time-consuming application process. At some point when the application process is all done, they say something like, "well, based on you current credit history, we are are unable to offer you this offer, but we do have this one that you qualify for..."
At this point, many people, figuring they have already come this far, will just allow them to go ahead and set them up for the much less attractive offer. Inevitably, the person will go ahead and use the card, incedently allowing the bank to get you into a credit card with a low credit limit and high interest.
When I receive an offer that seems appealing, I make it clear from the get-go that I am only interested if the exact terms on the offer stand, otherwise, don't waste my time. |
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golferwhoworks
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they look at your scores that is why you get them --why rejected -- must be something once they get all your info that kills the account |
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Anjell
 |
It's just a hook, line and sinker marketing ploy. Most people want credit and seeing a letter that says "you're approved" or "you've been selected" usually makes people feel all warm and fuzzy inside and they'll apply.
If you don't feel that your credit is good enough to qualify, don't apply. Get a secured card instead and start working on your credit score. |
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Liam O
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The pre-selection bit is only to get people to apply who wouldn't maybe normally do so. After that it's up to the company if you meet their credit standards. |
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Disgusted At Yahoo Answers
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Because everyone does if they have your name and address yoiu are "pre-approved" because they want you to fill out the application so they can sel your information to other companies. It's just a way of gathering information to sell it. |
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Ignorance is Bliss
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its just their way of advertising |
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Betty J
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Your credit score is high. |
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Abrar H
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ummmm wat? |
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