Page 1 of 2 1 2 LastLast
Results 1 to 10 of 13
  1. #1
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612
    Nothing like a cheezy pre-approval. I got a catalog in the mail called Crossing Pointe - Beautiful Clothes in the Finest Fabrics at Great Prices. Looks OK....

    on front it says I am pre-approved for $300!!!!!!!
    INSTANT CREDIT!!!!!!!!

    I look at the catalog and page after page of ONLY stuff for women....

    Here is their website if you care to share my excitement electronically:

    www.crossingpointe.com

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

    THEN, disappointed, I went to the great pre-approved section:

    "Activate your account today and shop the excellent values in this catalog!

    Crossing Pointe Credit has many advantages:
    - No annual fee
    - No monthly finance charge when you pay your balance in full
    - Low monthly payments if you decide to keep a balance on your account
    - Receive SPECIAL OFFERS with your monthly statement
    - No time consuming application process....

    SHOP NOW
    YOU'RE PRE-APPROVED!
    ======================

    I flip the page over to costs:

    Entire Balance subject to finance chg: 23.88%
    Annual fee - NONE 0.00
    Grace Period 23 days on average
    Returned Check Charge - "UP TO $30 plus costs"
    LATE PAYMENT FEE - "UP TO $30 PLUS COSTS, where applicable by law"
    COLLECTION FEE - "UP TP $30 on accounts that are sent to a collection agency"
    Minimum Finance Charge 1.00
    Average Daily Balance

    ***
    The ANNUAL PERCENTAGE RATE listed above is for any account in good standing. YOUR ANNUAL PERCENTAGE RATE may be increased to 24.9% where permissible by law. IF YOU ARE SUBJECT TO AN ALTERNATE RATE, it will show on your statement.

    ==========================

    CREDIT PRE-APPROVAL DATA:

    If you received an offer for pre=approved credit with this catalog, then information from a credit reporting agency, or our own internal data, was used in connection with this offer. The offer is being made because you satisfied our criteria for creditworthiness....

    ===============================

    BOTTOM LINE?

    I AIN'T DOING DRAG.....at least not for a $300 credit limit with fabulous Crossing Pointe....

    Any of you females ever heard of the Jane Seymour Collection?






    arooooooooooo- dogman

  2.  
  3. #2
    Diane143 is offline Senior Member
    Join Date
    Jun 2002
    Posts
    303

    Re: PRE APPROVED - Crossing Pointe....

    No to the Jane Seymore Collection but I bet her clothes have something to do with 18th century woman doctor attire LOL (Dr Quinn)

    BTW what is the difference between "preapproved" and "prequalified"? I got a Cap 1 Plat today "Preaprroval" You know that American Flag one. Same deal. No forms just SS number , name and address. thanks

  4. #3
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612

    Re: PRE APPROVED - Crossing Pointe....

    Diane - you should get the card - unless you got another Cap one card in the last 30-45 days....

    aarff - dogman

  5. #4
    LKH
    LKH is offline Senior Member
    Join Date
    Apr 2000
    Posts
    6,494

    Re: PRE APPROVED - Crossing Pointe....

    Hey Dogman,
    It seems we get catalogue preapprovals at about the same time. I got one on Wednesday for Seventh Avenue. Preapproved cl of a whopping $400. They also say if I don't order from this catalogue, they may not be able to send me any future ones. This is the first and only one they have ever sent me. LOL

  6. #5
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612

    Re: PRE APPROVED - Crossing Pointe....

    Hi LKH!

    Its really a SHAME when a company MAY NOT BE ABLE to send another catalog...LOL!

    Actually, Seventh AVE sent me a catalog last year with a card - they are somehow related to SWISS COLONY.

    Geez - these intricate credit relationships are amazing :)

    Hmmm - I wonder if I still have a SWISS Colony acct - or 7th Ave - I'll go to their site...


    If I remember, SUPERSHAWN got some chocolate mouse thing....

    aarrff - dogman

  7. #6
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612

    Re: PRE APPROVED - Crossing Pointe....

    I could not remember my great CHOOSE'N Charge number LOL!

    BUT, I see it is linked to the Seventh Ave catalog...


    aarrf - dogman

  8. #7
    outofdebt is offline Senior Member
    Join Date
    Aug 2002
    Posts
    112

    Re: PRE APPROVED - Crossing Pointe....

    Geez, this thread reminds me of the FingerHut catalog I ordered something from many years ago. I actually did the 9 month payment plan with them...$11.96 a month for something I can't even remember what it was...musta been crap obviously! I think you were allowed to order any single item from the catalog, but the most expensive item was like $189 or something!

    God, what was I thinking??? ;)

  9. #8
    FicoSux is offline Senior Member
    Join Date
    Aug 2002
    Posts
    101

    Re: PRE APPROVED - Crossing Pointe....

    They must expect you to default on this card. They put the collection costs right up front!

    COLLECTION FEE - "UP TP $30 on accounts that are sent to a collection agency"
    EQ 550-->652-->641-->619
    Eloan 585
    TU 533 (FAKE)
    CreditExpert 591->590->593

  10. #9
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612

    Re: PRE APPROVED - Crossing Pointe....

    Hi FicoSux - yup - they built collections in as a revenue source LOL!

    Wouldn't you love to apply for that $500,000 California mortgage - with the reference for payment being.......


    Crossing Point....

    Sounds like a bisexual at a swing club....

    aarrfffffffff - dogman

  11. #10
    dogman is offline Senior Member
    Join Date
    Mar 2000
    Posts
    2,612

    Re: PRE APPROVED - Crossing Pointe....

    outofdebt - my neighbor called them...
    FINGERFUK -

    aarrrooooooooooo - dogman

Page 1 of 2 1 2 LastLast

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Sign up for the Creditnet email newsletter.

Creditnet - Find the right credit card for you Best Airline Cards Best Gas and Groceries Cards Balance Transfer CreditNet Best Credit Cards for Building Credit

Find a
Credit Card

Research, compare, & apply

Bad Credit

0% Interest

Cash Back

No Annual Fee

search

Perusahaan Outsourcing Bekasi

Outsourcing Tenaga Kerja