Comments on: Christmas Credit is a Critical Mistake http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/ Money Tips for a Better Life Fri, 10 Feb 2012 18:59:59 +0000 hourly 1 http://wordpress.org/?v=3.3 By: Friday Finance Findings for December 7th http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-189031 Friday Finance Findings for December 7th Mon, 20 Dec 2010 17:21:28 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-189031 [...] some of your bulbs to CFLs, you definitely want to check this out. Nickel finds a really good deal.Christmas Credit is a Critical Mistake – This might not apply to you if you pay off your balance in full, but for those of you who [...] [...] some of your bulbs to CFLs, you definitely want to check this out. Nickel finds a really good deal.Christmas Credit is a Critical Mistake – This might not apply to you if you pay off your balance in full, but for those of you who [...]

]]> By: Tina http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-35257 Tina Sat, 08 Dec 2007 00:23:14 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-35257 Great comments! I love the idea of a credit card offer free opt out. Great advice! Thanks for sharing your ideas and great information. Great comments!

I love the idea of a credit card offer free opt out. Great advice!

Thanks for sharing your ideas and great information.

]]> By: bill http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-34962 bill Thu, 06 Dec 2007 13:03:21 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-34962 I never respond to promos that come with my credit card bill, especially those checks. I tear those up immediately and send them only my payment for the current bill. I never respond to promos that come with my credit card bill, especially those checks. I tear those up immediately and send them only my payment for the current bill.

]]> By: Dividend Machine http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-34823 Dividend Machine Wed, 05 Dec 2007 23:13:51 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-34823 I used this and now I am credit card offer free https://www.optoutprescreen.com/?rf=t I used this and now I am credit card offer free https://www.optoutprescreen.com/?rf=t

]]> By: Joel http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-34822 Joel Wed, 05 Dec 2007 22:43:06 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-34822 I was told by a mortgage broker that all those "preapproval" letters come after these companies actually pull your credit. It doesn't show on your actual report, but it does actually affect your score. I imagine they just ask the credit agencies for lists of people with a score greater than some cut off point, and then mass mail the offers. That's a lot of junk mail, and a lot of trees that are cut down for them. If you're annoyed by these offers, go to optoutprescreen.com and fill out the form there. You can choose to just do the electronic five year opt-out or the mail in permanent opt-out. If you choose the permanent, it will automatically start the 5-year electronic opt-out, and you just have to mail in the form that prints out. If at some later time you lose your mind and want to get those offers again, you can opt-in from the same site. I was told by a mortgage broker that all those “preapproval” letters come after these companies actually pull your credit. It doesn’t show on your actual report, but it does actually affect your score. I imagine they just ask the credit agencies for lists of people with a score greater than some cut off point, and then mass mail the offers.
That’s a lot of junk mail, and a lot of trees that are cut down for them.
If you’re annoyed by these offers, go to optoutprescreen.com and fill out the form there. You can choose to just do the electronic five year opt-out or the mail in permanent opt-out. If you choose the permanent, it will automatically start the 5-year electronic opt-out, and you just have to mail in the form that prints out.
If at some later time you lose your mind and want to get those offers again, you can opt-in from the same site.

]]> By: Fred333 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-34565 Fred333 Tue, 04 Dec 2007 22:07:12 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-34565 That is a great post. Christmas is rough time of year for credit users. That is a great post. Christmas is rough time of year for credit users.

]]> By: JB @ GetRichOrDieTrying http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/comment-page-1/#comment-34542 JB @ GetRichOrDieTrying Tue, 04 Dec 2007 18:59:06 +0000 http://moneysmartlife.com/christmas-credit-is-a-critical-mistake/#comment-34542 Like you said, Credit Card companies are a business... you can't look down on them for trying to make a profit. Of course people are going to sign up for the free Christmas money... otherwise the CC companies wouldn't send out that mail at this time. Consumers just need to get smarter. Like you said, Credit Card companies are a business… you can’t look down on them for trying to make a profit. Of course people are going to sign up for the free Christmas money… otherwise the CC companies wouldn’t send out that mail at this time. Consumers just need to get smarter.

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