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PRE-APPROVED CREDIT CARDS
Pre-approved cards are the result of one bank who now has you as a customer, and sells your name to another bank or a series of banks so they can offer you their credit cards. Here’s how it usually works:
Many smaller banks want to be credit card issuers but, because of limited facilities for credit card processing, it is sometimes difficult for a smaller bank to cash in on the credit card boom. What’s been developed is an interconnect system where large banks will process credit card applications and issue the credit cards for the little banks.
For example, let’s say that Mini Savings & Loan wants to get in on the Plastic Pursuit. However, Mini does not have the facility or the staff to process credit card applications and issue credit cards. What Mini has to do is contract the service with Maxi Bank.
Since Maxi has several banks that they provide this service to, Mini Savings & Loan is just a welcome addition to their roster of client banks for whom they process and issue credit cards.
When you apply for a credit card at Mini Savings & Loan, your application is actually forwarded to Maxim Bank who runs a credit check and, granting you have good credit, issues you your choice of VISA or MasterCard with Mini Savings & Loan’s name on it.
However, since Maxi is the issuing bank and since it has your credit on their file, they can very well send you an application for their own credit card. They can also sell your name to their other client-banks who can offer you their credit cards on a pre-approved basis.
Another source that sells your name is the credit bureau. Because they can program their computers to search for names of existing credit card holders with clean and healthy files, they can provide issuing banks with a premium mailing list of people to whom the banks can send pre-approved credit card applications.
FIXING FINANCIAL AFFLICTION
By Dr. John E. Russell
Failing finances are a common problem now-a-days. How does one extricate himself from a heavy debt load? There are ads that offer to do that ... for a price. It may be the answer for some. However, there are things one can do for himself.
The first step to relieve debt is not to make any more. There are very creative ways to save money. Ben Franklin said, 'A penny saved is a penny earned.' Bill Gothard said several years ago, 'A dollar saved is a dollar sixty earned!' In other words, taking into account the multitude of revealed and hidden taxes, working expenses, etc., one then needed to earn $1.60 in order to have $1.00 to spend! How much do we have left today?! One of the best and most practical resources for saving money is Dr. Alfred W. Munzert’s book Poor Richard’s Economic Survival Manual (Franklinville, NY: Hemisphere Publications, 1982). Dr. Munzert raised a large family on a teacher’s salary and his children received a college education. I am still amazed by many of the strategies he used. Buy the book, or request it at your library.
Making arrangements for a reduced payment to each creditor is one alternative to get rid of debt. If you need help, call the National Foundation for Consumer Credit at 1-800-388-2227.
Bankruptcy is another alternative. In their anguish, some have chosen to use this law that provides protection from creditors. You can file for bankruptcy yourself, but it is probably best to hire a competent bankruptcy lawyer. I went through a chapter 7 bankruptcy and did the filing myself, since I could not afford a lawyer at the time. The best resource that I found was Kenneth J. Doran’s book, Personal Bankruptcy and Debt Adjustment (New York: Random House, 1991). It is written in plain English, with legal terms explained. Be sure to use up-to- date-forms (I had to re-submit some forms because of this). The new forms were expensive, so I copied them from Clark, Boardman and Callaghan, Bankruptcy Code, Rules and Official Forms (New York: The Lawyers Cooperative Publishing Company, 1991). A friend paid my filing fee. I made it with God’s help and you can, too! Avoid bankruptcy if possible by solving financial problems early on. Financial stress will make you sick--I know from firsthand experience.