01-26-2006, 04:26 AM
> What other things can trigger it though? Opening a bank
> account? Applying for new utility service of some sort?
> Spending more money each month?
Usually, it's a new phone/utility service that triggers it -- they do a credit check and sell your info before they finish setting up an account.
Sometimes, when you pay off a substantial portion of an old debt, it'll trigger their computers to flood you with offers.
Sometimes when you open a new consumer credit account or bank loan or if you consolidate debt you'll get flooded because it gets out that you're seeking credit.
Sometimes it's a matter of affiliations -- unions, credit unions, alumni organizations, etc. have joint ventures with some of the credit card companies where they get money for each signup or a percentage of your spending trickles down to them for a year or two after you get the card. These things are usually seasonal and as was mentioned, it is the beginning of the Spring fundraising season.
> account? Applying for new utility service of some sort?
> Spending more money each month?
Usually, it's a new phone/utility service that triggers it -- they do a credit check and sell your info before they finish setting up an account.
Sometimes, when you pay off a substantial portion of an old debt, it'll trigger their computers to flood you with offers.
Sometimes when you open a new consumer credit account or bank loan or if you consolidate debt you'll get flooded because it gets out that you're seeking credit.
Sometimes it's a matter of affiliations -- unions, credit unions, alumni organizations, etc. have joint ventures with some of the credit card companies where they get money for each signup or a percentage of your spending trickles down to them for a year or two after you get the card. These things are usually seasonal and as was mentioned, it is the beginning of the Spring fundraising season.