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Credit card offers in the mail

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Originally posted by: RossMAN
Originally posted by: kranky
I had thought about opting out, but sometimes they send pretty nice offers - it's how I got the Citibank Dividend Platinum Select a couple years ago. I'm over $1,000 in cash rebates so far.

I'll put up with having to shred the bad offers so I don't miss a good one.
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Bingo.

Every now and then I'll receive a nice 0% APR balance transfer for 18 months offer. Who knows they might sell me a product I actually want. Otherwise I spend about 5 minutes a week shredding them. I think I can put up with that.
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i just check atot or fatwallet when i want a new one, and apply myself. I'm kinda surprised i got approved for the citi platinum dividend as my second cc
 
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
 
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
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Holy 40 credit cards! Does that affect your credit score?
 
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
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40 CARDS!!!!?!?!? WTF?

I have 2 now,
1 that is 5% (cashback) on gas/supermarkets/drug stores
I just canceled one and applied for 1 that that is 5% (towards gift certificates) from purchases at restuarants/movies/movie rentals/bookstores

thats all i need
 
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
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That is the most idiotic thing I've ever heard. I would laugh if one got stolen. You wouldn't know it for a month. I'd laugh if they all got stolen. You'd definately forget to cancel at least one of them.

Be smarter than that. If you seriously have to have 10 to use on a regular basis... why don't you cancel the other 30?
 
Originally posted by: maddogchen
it means your credit score is real good. shoot it all to hell and they'll stop sending you them 😉
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Not true. I have horrific credit, and I get at least three offers a week.
 
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
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My chase card gives me 5% on grocery/drugstore/gas purchases. Between walmart and walgreens, about 90% of my purchases fall under the 5% rebate category.
 
Originally posted by: Injury
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
Click to expand...

That is the most idiotic thing I've ever heard. I would laugh if one got stolen. You wouldn't know it for a month. I'd laugh if they all got stolen. You'd definately forget to cancel at least one of them.

Be smarter than that. If you seriously have to have 10 to use on a regular basis... why don't you cancel the other 30?
Click to expand...


more like the guy knows what he is doing.

40 credit cards and all paid off means he does not really have a problem with spending more than he has.

cancelling the other credit cards will be a negative on his credit score
 
Originally posted by: zainali
Originally posted by: Injury
Originally posted by: LukFilm
I love credit cards 😀 That's how I got my non-tiered 2% cash-back on ANYTHING credit card from HouseHold - very few people get it. I love CCs so much, I think I have about 40 credit cards now (all paid off in full each month). Love the sign-up bonuses especially, the main reason I have so many of them. I regularly use only about 10 of them, each for a specific purpose (meaning the give me the best reward back for using it).
Click to expand...

That is the most idiotic thing I've ever heard. I would laugh if one got stolen. You wouldn't know it for a month. I'd laugh if they all got stolen. You'd definately forget to cancel at least one of them.

Be smarter than that. If you seriously have to have 10 to use on a regular basis... why don't you cancel the other 30?
Click to expand...


more like the guy knows what he is doing.

40 credit cards and all paid off means he does not really have a problem with spending more than he has.

cancelling the other credit cards will be a negative on his credit score
Click to expand...

Yey! Someone understands how credit score works! Beer to you, my friend!

 
Originally posted by: fitzov
Originally posted by: spacelord
There was a post about this before.. Mail them whatever you want with those postage paid envelopes...such as tires..
http://www.vertical-visions.com/_temp/postagepaid/index2.html
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Interesting idea, but my post office won't let anyone mail anything without a return address.
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So put down ANYTHING but your own address for the return address.


Also, tearing up pre-apprioved credit apps may not be enough..this is an interesting read.
http://www.cockeyed.com/citizen/creditcard/application.shtml

 
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