https://www.premiercreditcard.com/fees.asp how can they get away with those fees! $200 just to get the card!
My wife got this offer in the mail. I sent the postage paid reply envelope in the mail the next day. Of course there was nothing in the envelope.
oh By the way... I did receive a pre-approved letter from them. It was my first pre-approved letter I got literally in years so I thought to myself.. WOW, I am now desired because of my credit score improving.. I took a closer look at saw all of the fees and ripped the sucker in many pieces.. BASTARDS!!!
You think that's good... someone previously sent some bunny presents back in the envelope... Guess that let the company know what the consumer thought of the terms of the offer ... who was that again...
I always send them back with old bolts, scrap metal, etc. They pay USPS by the ounce when they receive it.
I think I will start making a trip to the cat's litter box when I get an offer like that. - Is that illegal? To mail cat poop?
Actually that First Premier Card made my husbands score go up 20 points and its new. The fees are high but there was no way he could qualify for another card on his own that was unsecured. The fees are high but it is worth it to establish a Visa individual account. That is why they can get away with it. It sucks but lower scores suck more.
BTW, he got a 9.99% rate on the card as well which is unheard of in the subprime market. I told him he does not even have to use it. The credit limit is low right now. He uses my Mastercard for purchases. When his credit is good enough we will have no use for it but right now we will take what we can get.
Cat poop can carry toxoplasmosis. I wouldn't do it. But see if you can get kitty to pi$$ on it. (My dad got toxoplasmosis somehow, went to the hospital after he lost sight in his left eye, and was told later that he was only about 48 hours from death when he went in)
Regarding abusing pre-paid return envelopes. Be careful when abusing this now. Since last year's anthrax contamination, law enforcement takes a very dim view of sending mystery subtances through the mail. I know what some of the laws were changed recently, so you could find yourself charged with some nasty federal offenses and prison time. I've heard that if you tape their envelope to a brick, they have to mail the brick. Is this true? Eons ago I used to work for a company that processed credit card applications for gasoline and bank credit cards. There was a department who's only job was to open the mail and prepare the returned applications for data entry by the data entry clerks. I did not work in that dept., but I would stop in from time to time for comic relief. They had a "wall of shame" in there. On that wall they would post the most bizzare stuff they get in the mail. I could not believe some of the weird stuff they used to get. Very common items were - Obsene photos or polaroids Regligous material - not nice stuff, scary stuff written by some deeply disturbed people. Celibrity applications (critical info blacked out). Drugs/Narcotics (or items that appeared to be drugs, probablly were nothing in reality) Nutcase letters. These were always facinating to read. Some were pages and pages long, including lawsuits and all sorts of bizzare rambleings. I think they would get the occasional envelope with poop in it. Those went straight into the trash. I don't ever recall hearing of they got any with whte powders. What was odd is that we had to keep all this stuff for the clients. The clients never wanted it of course, but we had to give them these boxes of this "trash", because technically, it was theirs. Cheers.
WE GOT A 3% LOAN OFFER---->fine print...3%/month...THAT IS 36%!!! I sent it back to them...POSTAGE PAID with a few comments about the 36%!!!
I always save up and send back those worthless coupons and fliers that stuff my mailbox each week, ie. pizza coupons, vinyl siding, fat buster tablets. Of course, it just goes right in the trash when they receive it but it is a slight moral victory to know that I cost them some $ for wasting my time and mailbox space. Be it a very small amount, if everyone did this, they's stop abusing the process and mass-mailing unwanted solicitations....not to mention killing a forest of trees.
