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!!!!!!!
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:
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....
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....
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?