PRE APPROVED - Crossing Pointe....
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  1. #1
    Join Date
    Mar 2000
    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:


    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.



    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 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. #2
    Join Date
    Jun 2002

    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

  3. #3
    Join Date
    Mar 2000

    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

  4. #4
    Join Date
    Apr 2000

    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

  5. #5
    Join Date
    Mar 2000

    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

  6. #6
    Join Date
    Mar 2000

    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