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  • FIRST POST
    • Blossom190240
    • By Blossom190240 19th Sep 16, 11:39 AM
    • 1Posts
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    Blossom190240
    Un-asked for Credit Cards
    • #1
    • 19th Sep 16, 11:39 AM
    Un-asked for Credit Cards 19th Sep 16 at 11:39 AM
    My grandson keeps receiving applications for credit cards which have not been asked for. Thankfully I get them before he does, otherwise he might be tempted. Is there a way to put a stop to this? It is disgusting that they are allowed to get away with it inviting young people to get into debt.
Page 1
    • bengalknights
    • By bengalknights 19th Sep 16, 11:53 AM
    • 3,581 Posts
    • 1,296 Thanks
    bengalknights
    • #2
    • 19th Sep 16, 11:53 AM
    • #2
    • 19th Sep 16, 11:53 AM
    Unfortunatly without phoning them up or writing back asking them to not send marketing its not possible.
    • zx81
    • By zx81 19th Sep 16, 12:05 PM
    • 8,715 Posts
    • 8,538 Thanks
    zx81
    • #3
    • 19th Sep 16, 12:05 PM
    • #3
    • 19th Sep 16, 12:05 PM
    Tell him to register with the Mailing Preference Service.
    • unforeseen
    • By unforeseen 19th Sep 16, 12:06 PM
    • 702 Posts
    • 921 Thanks
    unforeseen
    • #4
    • 19th Sep 16, 12:06 PM
    • #4
    • 19th Sep 16, 12:06 PM
    Ad a matter of interest how old is your grandson?
    • concernedSaver
    • By concernedSaver 19th Sep 16, 12:24 PM
    • 68 Posts
    • 15 Thanks
    concernedSaver
    • #5
    • 19th Sep 16, 12:24 PM
    • #5
    • 19th Sep 16, 12:24 PM
    I thought it was illegal to send unsolicited pre-approved credit cards?
    • zx81
    • By zx81 19th Sep 16, 12:27 PM
    • 8,715 Posts
    • 8,538 Thanks
    zx81
    • #6
    • 19th Sep 16, 12:27 PM
    • #6
    • 19th Sep 16, 12:27 PM
    I read it as the grandson is receiving application packs for cards - not the cards themselves.
    • TadleyBaggie
    • By TadleyBaggie 19th Sep 16, 12:35 PM
    • 1,840 Posts
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    TadleyBaggie
    • #7
    • 19th Sep 16, 12:35 PM
    • #7
    • 19th Sep 16, 12:35 PM
    I thought it was illegal to send unsolicited pre-approved credit cards?
    Originally posted by concernedSaver
    Where in the OP does it say it was "pre-approved credit cards" that were being sent? Sounds like this is just the usual mass mailed marketing circulars to me.
    • bris
    • By bris 19th Sep 16, 12:59 PM
    • 6,016 Posts
    • 4,918 Thanks
    bris
    • #8
    • 19th Sep 16, 12:59 PM
    • #8
    • 19th Sep 16, 12:59 PM
    I would be furious if my parents or grandparents were stealing and destroying my mail. You have no right to do that, he is obviously at an age where he can decide for himself.
    • SHill
    • By SHill 20th Sep 16, 6:48 AM
    • 70 Posts
    • 30 Thanks
    SHill
    • #9
    • 20th Sep 16, 6:48 AM
    • #9
    • 20th Sep 16, 6:48 AM
    It's not disgusting it's a marketing ploy.
    You may need to sit down and have a chat with your grandson about money matters.
    Educate him what he could achieve if he saves and makes good decisions.
    How old is he?
    Marketing is marketing....the company may have done a local mail shot in the area.
    You need to talk about his financial future. Let him make balanced choices about saving and spending wisely. By taking his post away won't help matters. What happens if he is requesting information about cc have you asked him?
    Help him become financially savvy. My parents never had a cc and was I told it wasn't a good idea but they never fully explained about interest rates, amount to pay back. I found out the hard way later in life.
    I'm not sure if mail shots for cc have been banned but you cannot stop the inevitable. Just give him the tools to make wise choices.
    Yes it depends how old he is and if he is working or not. If he has no credit history then he may get an awful initial rate anyway and that may shock him too.
    • planteria
    • By planteria 20th Sep 16, 8:34 AM
    • 4,705 Posts
    • 1,026 Thanks
    planteria
    If he has no credit history then he may get an awful initial rate anyway and that may shock him too.
    Originally posted by SHill
    agreed. i am with the original sentiment, but maybe a small but clear 'lesson' is the best way to truly learn
    • shortcrust
    • By shortcrust 20th Sep 16, 8:44 AM
    • 1,068 Posts
    • 1,286 Thanks
    shortcrust
    Assuming that your grandson is of sound mind and cognitively intact I think the disgusting thing here is you taking it upon yourself to control what post he's 'allowed' to receive.
    • concernedSaver
    • By concernedSaver 20th Sep 16, 12:37 PM
    • 68 Posts
    • 15 Thanks
    concernedSaver
    I read it as the grandson is receiving application packs for cards - not the cards themselves.
    You're right, I skimmed it through and misread.
    • cts_casemod
    • By cts_casemod 20th Sep 16, 12:57 PM
    • 201 Posts
    • 32 Thanks
    cts_casemod
    I get the applications all the time too, along with loan forms from my bank.

    The APR is ridiculous, they are likely trying to catch a desperate fish. Looking elsewhere always yields a batter deal.
    Last edited by cts_casemod; 20-09-2016 at 12:59 PM.
    • zx81
    • By zx81 20th Sep 16, 1:08 PM
    • 8,715 Posts
    • 8,538 Thanks
    zx81
    they are likely trying to catch a desperate fish. Looking elsewhere
    Originally posted by cts_casemod
    Looking elsewhere always yields a batter deal.
    Originally posted by cts_casemod
    So I guess you just say 'tartare' to the offer?
    • eskbanker
    • By eskbanker 20th Sep 16, 1:32 PM
    • 3,418 Posts
    • 3,039 Thanks
    eskbanker
    So I guess you just say 'tartare' to the offer?
    Originally posted by zx81
    At least the cards will always come with chips....
    • SuperHan
    • By SuperHan 20th Sep 16, 5:33 PM
    • 1,870 Posts
    • 1,061 Thanks
    SuperHan
    I think there are laws against intercepting people's post that you're probably falling foul of...


    Also, getting a credit card at 18 was one of the best things I did. I have never paid a penny in interest on any debt I've ever had, and now I can spend on interest free cards and leave my cash racking up 5-6% interest while the credit card holds my balance. I also get cashback or rewards on everything I spend. I even got my mortgage at 21 with a bank (apparently) known for not lending to first time buyers.


    You should really be educating your grandson about money, not sheltering him from the world. At 18 he should really understand the implications of getting into debt and be able to make a decision not to do it...
    • chattychappy
    • By chattychappy 21st Sep 16, 8:52 AM
    • 5,938 Posts
    • 3,040 Thanks
    chattychappy
    I think there are laws against intercepting people's post that you're probably falling foul of...
    Originally posted by SuperHan
    Actually those laws don't apply once delivered to the correct address. Then it's "normal" laws that apply - criminal damage, theft etc.

    The OP went to the trouble of mentioning that the recipient was her grandson but not his age. 12? 22?
    • eset12345
    • By eset12345 21st Sep 16, 3:09 PM
    • 63 Posts
    • 69 Thanks
    eset12345
    you keep getting them because he's applying for an application pack that you then steal, and he thinks isn't turning up, so he applies for another one.

    Christ, how would you like it if he opened all your mail and decided what you could and couldn't have.

    and why cant he get a credit card? what right do you have to dictate what kind of credit he can get?
    • bigadaj
    • By bigadaj 21st Sep 16, 6:08 PM
    • 7,387 Posts
    • 4,424 Thanks
    bigadaj
    It's odd how people are.

    Recent thread on a neither board raised concerns about an elderly relative and how they weren't managing their money properly. Varied debate on how much hassle they wanted and the fact they could live comfortably without maximising returns before suggestions that the OP as a relative might be more concerned with inheritance.

    Then cue an outraged post from an oap, suggesting that they would be extremely offended if the subject of the confirmation and would disinherit their relative forthwith if they were the subject, eventhough this is obviously an anonymous forum.

    Now we have the exact opposite situation, whether the OP in this case knows whether their relative is responsible or not, or realises the benefits of possessing and responsibly using a credit card isn't clear.
    • jimjames
    • By jimjames 22nd Sep 16, 8:28 PM
    • 10,458 Posts
    • 8,436 Thanks
    jimjames
    You're right, I skimmed it through and misread.
    Originally posted by concernedSaver
    To be fair the title is very misleading - the word "applications" might have made a difference
    Remember the saying: if it looks too good to be true it almost certainly is.
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