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Article Title: You Have Been Pre-Approved.
Author: Kim Klaver
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I got a call yesterday from someone who opened the conversation
with:
"You (KK) have been preapproved for a credit card with Chase.
It's at 0 percent for the first 6 months, then 5.9%. No annual
fees, blah blah blah."
I told her I already had a Chase card, and she said that was no
problem.
After a 5 minute spiel about all the advantages, I hopefully
asked the gal:
So what's the credit line - how much is the card for?
"Oh," she says, "You mean the credit limit. Well THAT is
decided after we get your information, and there's someone
standing by to take it from you...Let me transfer you." I
stopped her.
"So, the card is then not really preapproved, is it? I have to
give you my credit information, and apply?"
"Well, you are pre-approved.
"But we don't know how much until after I apply, is that right?
It might be nothing, right?"
"Yes...Shall I transfer you now?"
I aked her if she didn't agree that she was reading a script
that was very misleading..
that a credit card HAD been preapproved, presumably for some
amount. What is the purpose of a pre-approved (or any) credit
card without some credit being offered?
We all know you have to be approved for credit. So to say
you've been pre-approved gives the (totally false with Chase)
impression that you've been approved for at least some credit,
and the only interesting question is, how much?
Actually, I had been preapproved only to APPLY for a card. Big
deal.
But that's not all. We've all learned the hard way that each
time you apply for a credit card, it works against you on your
credit worthiness according to the credit services like
Equifax. Have you ever been declined for a card, and one of the
top reasons given is words to the effect "too many
applications"
often, in their view. So sorry. But here is Chase (and others,
I'm sure) soliciting me to apply again, with the misleading
come on that you've been "pre-approved.
Is it any wonder we don't like listening to telemarketers?
I wasted almost 10 minutes on a fake come on - "you've been
pre-approved.
Shame on Chase and the scripts which brought about the Do Not
Call List in the first place.
Can't Chase do better than that? At least dispense with the
fake pitches?
I bet WE can do better than that, can't we?
About The Author: Kim Klaver is Harvard & Stanford educated.
Her 20 years experience in network marketing have resulted in a
popular blog, http://KimKlaverBlo
http://YourGreatThi
http://BananaMarket
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