Heres an idea

Jam555s

Hi there, if I have a current acc or a mortgage, with a bank, and I get marketing mail, offering a personal loan or a credit card addressed to me as im a customer, and at the bottom it has a promotional code to quote to call, does this mean im pre-approved, or do the company lower their criteria for the promotion, or am I under the same criteria as a non customer,
Also do they only send this kind of marketing to what they believe are there good customers,
The reason is I have a low credit core at the moment and am trying to rebuild

wyebird

I suspect the code it on there so that they can work out how effective different types of mailshots are! It depends on the organisation how much weight they attach to existing accounts. My bank doesn't appear to have credit checked me the last couple of times I applied for something, but OH's always does.