I thought they were targeted ads?

Money_and_Travel

I've never carried a balance into the next month, but I keep getting emails from Clearscore, offering me Balance Transfer Cards.

I thought these ads were supposed to be targeted?

eskbanker

Money_and_Travel said:

I thought these ads were supposed to be targeted?

What specifically led to that expectation?

Money_and_Travel

eskbanker said:

Money_and_Travel said:

I thought these ads were supposed to be targeted?

What specifically led to that expectation?

They send me a report every month, showing my current borrowing status.

They know that I don't have an outstanding balance, so why send balance transfer offers?

eskbanker

Money_and_Travel said:

eskbanker said:

Money_and_Travel said:

I thought these ads were supposed to be targeted?

What specifically led to that expectation?

They send me a report every month, showing my current borrowing status.

They know that I don't have an outstanding balance, so why send balance transfer offers?

No, my question was about the supposition, i.e. what made you believe that ads would be targeted?

retiredbanker1

Do you think that they actually look at each individual member to see if they are in debt?
Targeted probably to somebody who might qualify for such cards- which might be you even if you do not want/need them?

grumpy_codger

retiredbanker1 said:

Do you think that they actually look at each individual member to see if they are in debt?

Yes, thinking that this is the case means making a wrong assumption that they aren't idiots. Nowadays, when spam costs nothing, it's cheaper to employ idiots than clever professionals.

retiredbanker1

grumpy_codger said:

retiredbanker1 said:

Do you think that they actually look at each individual member to see if they are in debt?

Yes, thinking that this is the case means making a wrong assumption that they aren't idiots. Nowadays, when spam costs nothing, it's cheaper to employ idiots than clever professionals.

Probably done by AI these days  up to you to say whether theu are idiots or paid professionals

grumpy_codger

retiredbanker1 said:

grumpy_codger said:

retiredbanker1 said:

Do you think that they actually look at each individual member to see if they are in debt?

Yes, thinking that this is the case means making a wrong assumption that they aren't idiots. Nowadays, when spam costs nothing, it's cheaper to employ idiots than clever professionals.

Probably done by AI these days  up to you to say whether theu are idiots or paid professionals

Well, AI does what it's asked to do - either by idiots or by professionals.

Nasqueron

It's not impossible you might have a big spend/emergency you want to pay off over a period for example, I have a CC paid in full every month and use BT/MT cards to stooze

Money_and_Travel

retiredbanker1 said:

Do you think that they actually look at each individual member to see if they are in debt?

No, I think they'd have an algorithm to do the looking for them.