They just sent you an actual card that you never even applied for? I guess it’s a good thing you got the mail that day and no one was rifling through your things. Wow.
Call me excessively paranoid, but I would be very wary of that credit card. Probably to the point of not activating it, cutting it up, and making sure it wasn’t on my credit report.
Me too. I didn’t want to say anything since everyone else seemed to be taking it so lightly, for fear of looking like a paranoid freak, but a pre-approved credit card just arriving in the mail seems a little sketchy to me.
Cut up the credit card. Get a short term loan; it will be less hassle in the long run.
I got a book from PaperbackSwap.com!
Yeah, an unsolicited credit card would freak me the fuck out.
Regarding the “in the mail” topic, I got the Roomba Discovery that I ordered. Woot, a vacuuming robot!
Free pair of smalls from Hanes (that I forgot that I requested. They’re turquoise, and very comfy), and my Sports Illustrated.
Slight hijack…I have been warning people of this FCC ruling for the past few years…non-digital television sets will need a decoder as every station is being forced to broadcast in the digital format. You will be able to buy your own decoders (probably at Radio Shack and other electronics stores) but old, non-digital television sets are just about history. There are quite a few advantages to digital television - but my guess is the joyful news of your $10 increase hasn’t put you in the mood to discuss those advantages quite yet.
Use it sparingly if possible, but it really sounds like the CC you should be applying for is American Express.
Declan
I got a check for $106.20 from my credit card company. I have no idea what it’s for, but I’m not gonna ask.
Still no bacon salt yet.
A little more detail on the Target Visa. I actually have a Target Department store card. You know, the kind that only works at Target. Well, I’ve had that thing since probably like 1999 or something. I dont even use it though. I think I used it once last year when I moved into my new apartment. But I paid it off like three days later. (I just needed the stuff then and didn’t want to wait til payday)
Anyway, so a month ago they sent a letter informing me that my account has qualified for an automatic upgrade. It was a department store card with a 200 dollar limit. And now they want to send me their Target Visa with a $7000 dollar limit. On the letter, it said that if I didn’t want to accept the upgrade, then I would have to call and decline it. But if I want to accept it, then I can just do nothing for a month and they will send it to me.
Well all my mail is sent to my brother’s house. I handle all my bills online, so the only mail I get is some statements every now and then and junk mail. But I have to move a lot because of the Army, so I use that address as my permanent mailing address. But I can go 2-3 months without ever getting my mail and going through it. (If something looks important, they’ll call me right away. And I’ll have them open it for me and read it. Otherwise, it just gets put in a box).
So sitting down yesterday, I got that notice which was dated in the begining of June, and I got the card too. LOL.
Also, I got a similar statement from Macy’s Department Store. They are doing the exact same kind of upgrade thing so it looks like by next month I’ll have two credit cards! Maybe it’s some kind of new department store strategy? Have they all gone with a new credit services company that is recommending the new strategy? Maybe they’ve always done stuff like this, but I just never had such good credit?
I dunno. But it’s funny, because I was just thinking last week that I should go to all these stores and cancel these department store cards that I never use! Ha!!
Oh! OK, that makes sense then.
Oh yeah, besides the Roomba yesterday, on Friday I got my 3-pack of bacony goodness - mm, Bacon Salt.
Early this month I got a statement from the credit union showing that last month there had been a deposit of $352.75 which was identified as “Federal Salary”. I had retired from my federal job last September, and after a bit of thought it occurred to me that perhaps this was a bonus or award of some time. So far I haven’t received any official confirmation of this, and there’s a possibility that for some reason it wasn’t forwarded from my old address (I have moved and had not bothered to notify the personnel office of the change).
I have in the past received unsolicited credit cards in the mail; last year when I got one I called to ask why it was sent and they seemed surprised that I would question it. I shredded it, obviously, but made a note of the bank and account number and the next time I verified my credit history I made sure there was no record of it.
Just so you know. I went and took your advice. Kinda great that I can just walk into the bank and get money like that. Especially since I had only 50 bucks in my account with that bank and I told them I wasn’t going to bother getting them addresses and phone numbers of references. Ha! They still gave me money. Didn’t we have a thread recently about how hard it is to get a loan? Didn’t seem difficult at all. I said “Give me money”. And they asked “How much?”
I got my prime-rate interest credit card, and four different bills. Woot.
I got a credit card statement owing MUCHO MOOLAH that my Ex ran up throughout the year we were divorcing - including charges from GET HUGE DOT COM, various dating services, trips around the country, etc. 'Scuse me whilst I call my lawyer.
I forgot to check the mail. But I’m not expecting anything fun. Just the usual bills and junk.
Within a month, TWO companies sent me refund checks for exactly $1. One was Citibank, I don’t think they liked me having a negative balance on my credit card.
Not to brag, but I may already be a millionaire.
It sounds like you were doing well without credit. “Money for fun” “Vacation plans” ?? These aren’t necessities you would need to take out a loan for??!?
/Mom
Anyhoo, I got up too late to go to the post office, so no mail for me today!
I dunno, I haven’t seen today’s mail yet. But the USPS tracking thingee says my bacon salt is in town as of last night, so probably that.