Getting credit card offers I've no need for
By Lena Kovadlo
@lovebuglena (52226)
Staten Island, New York
September 20, 2021 2:44pm CST
Just got an offer from my Capital One credit card for 0% on existing and new purchases for nine months. I don't know why the heck they sent this to me when I have never kept a balance on my credit since I got it. I always pay my balance in full.
Also, I don't plan on buying anything I can't afford or won't be able to pay for when my statement comes. I have no need for this offer. At least this was emailed to me instead of being sent in the mail. They saved some paper for a change.
Besides this offer, I am also getting emails to upgrade my Quicksilver credit card to a Venture credit card. Quicksilver gives me cash back, while Venture would give me miles. I hardly travel, especially these days. I'd rather get cash back than earn miles that I won't really use. So thank you for the offer but I decline.
10 people like this
7 responses
@moffittjc (128858)
• Gainesville, Florida
20 Sep 21
I get flooded with credit card offers. I don't even bother to read them anymore. They go straight to the recycling bin. I've got all the credit cards I want right now.
@moffittjc (128858)
• Gainesville, Florida
21 Sep 21
@lovebuglena I have 5 total, for various different reasons. I only actively use 4 of them.
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
@moffittjc Wow! That's a lot of cards. Very easy for a person to over spend a lot but I am sure you are not doing that.
1 person likes this
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
I have one and that's plenty for me. Well, technically I also have a Macy's credit card but that's only for Macy's and I don't remember the last time I used it.
Hubby now has three. I hope he won't open anymore. The Capital One card I sort of encouraged him to open as it gives him 1.5% cash back (his other card don't give cash back) and he was thinking of transferring a balance anyway.
1 person likes this
@marguicha (230365)
• Chile
20 Sep 21
Many places (Banks and big shops) offer me credit cards once in a while. I have one and it is enough for me. I use it when I travel and also here so I don´t have too much cash around. I pay it in full every month.
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
I have only one major credit card. I see no need to have more than that. My credit limit is only $5800 but that is more than enough for me. I don't spend anywhere near that much anyway.
1 person likes this
@marguicha (230365)
• Chile
21 Sep 21
@lovebuglena Same here. And the Bank has offered to give me a bigger credit but I don´t need it. In fact I never spend all of it but find it good to have it should a special medical situation arise.
1 person likes this
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
@marguicha It is definitely nice to have a high credit limit just in case.
1 person likes this
@snowy22315 (209239)
• United States
20 Sep 21
I get those all the time, and although some are extremely tempting so far I haven't succumbed. I don't want or need any other cards, but the offers keep getting better and better1
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
I hate it when I get the same offer over and over and over again. I am clearly not interested if I don't sign up. And yet they keep sending it. Such a waste of paper.
1 person likes this
@snowy22315 (209239)
• United States
21 Sep 21
@lovebuglena it was Capital One who kept sending info about financing a vehicle. I got mailings every week for like two years..so strange
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
@snowy22315 I didn't even know you they offered that.
1 person likes this
@kaylachan (84928)
• Daytona Beach, Florida
20 Sep 21
We get those all the time. My husband will read some of them to me and we get a good laugh out of it.
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
They can be exciting but then you read the fine print and they are not that exciting anymore.
1 person likes this
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
Maybe that is a good thing. Unless you really need one.
@lovebuglena (52226)
• Staten Island, New York
21 Sep 21
The funny thing is they send you a credit card offer in the mail and you do not respond but they keep sending you the same offer over and over. I guess they think eventually you will just sign up.
1 person likes this
