What Determines what kind of credit card offers you get in the mail is it the

I think the problem with these companies is that they have nothing better to do. I for one am sick and tired of phone calls and them wasting all this dang paper on this junk mail. Exactly what it is "JUNK". The ones that call us are quite rude as well. They just can't take NO for an answer and wonder why I tell them off. Capital One is one of the worst ones that you can get. They will keep sending you cards even though you are maxed out to the hiltons but they love people being in such great debt. They don't care at all. If you are going to get a credit card go with your bank. After talking with your advisor etc they are the only ones that can make things work for you and make you a good deal on intrest rates etc.

As far as I know it is only from on your credit score number. The do not check your personal information. It iimportant to check your credit report once a year to make sure it is correct otherwise your credit score could be incorrect.

I know it has something to do with how you are handling existing debt and what your credit score is. I have a large student loan that I am in good standing with and I get all kinds of offers for cards with very large credit amounts. It seems that if you pay your debts off, they like to offer you more of them. I think there's a way to opt-out of these offers. I've done it and I really like that I get a lot less paper mail now.

I don't think they are actually looking at your account history I think they just send them out from their mailing lists. I recently received an application to apply for these credit cards to use at a gas station and I don't even have a car. I also have received offers for a secure card from a bank that I have 3 cards with.

Hello supenseful. You are partially right in what you wrote. In the USA the credit card companies will ask the credit reporting agencies (TransUnion, Equifax, and Experian) for consumers who fit certain standards (for example between certain ages, making certain amounts of money, etc) and provide them with your name and address for the "pre approved credit card applications". When you run your credit report there is a number to opt out of these offers. Plus it prevents the credit reporting agencies from giving your address out ;). You may still get offers from companies you do business with (I get some from the bank for example). Pablo

Why would you be angry about recieving an application for a gold card. I thought the gold card was the best card you can get. Anyways, they just randomly send these applications out, they don't have any idea how old you are or what your credit is like. They just go by a list they get from companies that do that for a living, make lists of people with their addresses, and they pay someone to make them out to you and mail them. It is actually a full time job for this person, so it some ways it is a good thing, but I know it's a pain to get them in the mail. Also make sure that you shred them up before throwing it away because it has been on the news that there are people who go through our garbages looking for this exact thing. They find them and apply for the credit card in your name and then when they get them, they charge to the max and since it is in your name you are responsible to pay them. I just heard a story about this very thing, last night, on the news.

neither, it is mass emailing just like junk mail does on the internet, they just got your address perhaps bought from a place, it could have been you bought something recently from television, on the internet whatever, you will find that you have to fill out an application, and once you do that they check your credit rating and other things on the application like you age and 9 times out of 10 the answer is no. I get these offers all the time and my credit stinks, they would never give me a credit card.

You can get a credit card according to your credit rating alone,and of course it does not matter if you are retired ,but you must have an income coming in..If your income is very low it can affect you gettng some credit cards because they do not feel you have enough money to pay for using one,however it depends on the company itsself...My mother made around $ 950.00 a month and she could get credit cards because she had good credit...It was smart of your husband to throw that Capital One card away...My mom got involved with capital one and they are a joke,she paid them for years and her balance NEVER went down..We finally had to hire an attorney to get them off her back......

I would say credit rate unless your bank gives out your contact information to others I am surprised I got offers too since I only have credit card for the last 2 years so my credit rate should still be built so in my case someone must have given my name and address out

There are quite a few factors that go into what credit card offers are sent and which ones you will get approved for. The biggest factors are your credit score and the ability to pay the card back. Once your credit score is over 700 you start getting pretty good offers. With a credit score of 720 or so you can get just about any card, or loan with pretty good terms; provided of course you have a steady adequate income. Most of the prescreened offers you get, come from a credit score that is at a certain level. Meaning if your credit score is 650, you will get offers UPTO the score of 650. What I'm trying to say is that you still get some pretty bad offers in the mail, but the higher your score the better offers you receive. Your best bet however is to find a card you want and just go apply for it. Don't wait for the offers to come to you, instead seek them out yourself. A good place to compare cards, or loans or just about anything financial (including cd's, retirement accounts, etc) is http://www.bankrate.com/ It's a very handy financial website.

I am not really sure how it works but I get at least one a day some time two offers for credit cards. I do pay my bills on time but not sure why I just throw them in the junk pile. Have a great day!

credit card companies just send out offers for people so you can incur more debt. i have below average credit and I get offers all the time. usually the amount is 500. if you have a credit card and are good with it then that particular company will send you other opportunities to spend money. i think the best way to gain more credit is just pay your bills on time and request more credit after some history has been established. as for the interest rate the only way to get a good rate is to have good credit. every legitimate credit card is worth looking into.