Legal Question in Credit and Debt Law in Florida

Banking

My wife has recevied a prequlify credit card offer from a bank. She fill it out online and she was refused. Two weeks later she receved another one from the same bank saying reaply now using this code . This one was not applyed for Then in about two weeks she recieved another prequlify offer from the same bank saying the samething. Use this code and reaply now So she filled another offer online and was refused By doing this to some people that is trying to inprove there credit Hurts them by applying again and again What can be done about stopping the banks from sending these offers knowing that you already applyed and was refused? Thank you for your time.


Asked on 9/12/07, 8:11 pm

1 Answer from Attorneys

Scott R. Jay Law Offices of Scott R. Jay

Re: Banking and credit cards

NOTE: This communication is not intended as and should not be interpreted as legal advice. Rather, it is intended solely as a general discussion of legal principles. You should not rely on or take action based on this communication without first presenting ALL relevant details to a competent attorney in your jurisdiction and then receiving the attorney's individualized advice for you. By reading the "Response" to your question or comment, you agree that the opinion expressed is not intended to, nor does it, create any attorney-client relationship, nor does it constitute legal advice to any person reviewing such information, nor will it be considered an attorney-client privileged communication. If you do not agree, then stop right here, and do not read any further.

The simple offer from a lender to issue a credit card does not affect your credit. You and your wife have to be disciplined enough to know that you will not qualify and therefor not return the "prequalified" application to them. When they run your credit history to determine whether or not to actually issue credit to you is when your credit score is affected. When these offers comes, simply rip them up and toss them out before you or your wife get tempted to respond to the credit card company.

Scott R. Jay, Esq.

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Answered on 9/13/07, 11:09 am


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