CapitalOne Credit On A Mail Freenzy

[rsmith6621]

Today while picking up my mail I counted 5 peices of credit card solicitation from CapitalOne credit soliciting my wife to sign up for a credit card with a $20K limit.

These 5 peices make a total of 24 peices this week alone....all having a diferent looking envolope. What is funny about it is that we are in BK and cannot apply for Credit without court approval.

Today I plan on putting them in a manila envolope and send them back to them with a cease and desist letter.

[MadHound]

1. Better yet, tape that business reply/free postage envelope

To a brick and drop it in a mailbox. After paying for a few bricks coming back, they'll drop your name off the list quick.

[billkurtmeyer]

3. I've been doing this for the past month or so - making sure to stuff

the return reply envelopes with crap - I have sent off over 30 in just a month or so. Has anybody noticed that on the back of many of the envelopes is a bar code tracking number? What is this about? I always black over mine so it can't be read and they can't trace me.

[Occulus]

12. That's for USPS, I think

Our machinery sprays a barcode on every piece of mail because we use high-speed sorting machinery that uses the barcode to route the mailpiece. The machines also read the lettering on the front if the barcode is not present. There's also often a flourescent orange barcode- called the "ID tag"- on the back of the envelope.

edit: here's a few pics!



(She's not loading it right. You're supposed to use the jogger, to her right, to vibrate the mail so it doesn't stick together when entering the machine.)









edit again: I often work on these at my postal plant. They're VERY quick, sorting ~40,000 pieces per hour.

[Straight Shooter]

2. Stay away from them. Stay away, stay away, stay away.

No time to explain, but they are one of the worst when it comes to trickery.

[Democrat 4 Ever]

7. Use the postage free envelope to say hell no.

Those envelopes cost about 60¢ each when they hit back in their mail box. They need to start getting thousands, millions of empty envelopes crowding their mail box each day. Let they pay useless postage and waste employee time opening and disposing of their own junk mail.

They don't pay the postage for them until they are actually used by a customer but they pay dear for the privilege when they are returned to them. You don't even have to put anything in the envelope but it is a good opportunity to express your opinions of their lending and loan sharking activities. Not to mention the Chimp's administration whoring for them.

I returned 12 on Monday - I was gone last week so had a little catching up to do when I went through my mail.

[Mist]

9. No lie. The first card I had was a Capital One

After the stroke of midnight on the 30th day, they start compounding interest by the nano-second.

[Mist]

10. Fun idea:

Return their card solicitations with "satan get thee behind me!" written on them.

[underpants]

14. psssst (looks around) hey come over here

Don't be surprised if Captial One is the next Enron.

Not inside information just some friendly advise from a poker playing buddy.

[AlCzervik]

4. Their ad campaign with vikings is about right

it totally represents who they are. I paid them off a year ago and haven't looked back.

[DavidFL]

5. You'll still get those years after your bankruptcy is discharged...

Because they know you can't file for bankruptcy again for another 6 years.

However, and this goes to anyone who has just had a bankruptcy discharged, if any of your debt was credit card debt, be careful with the offers from Capital One and other banks because in some cases, they will slip words into the fine print of the application stating that by accepting the offer, you agree to reaffirm a portion, or all, of the debt which was discharged in bankruptcy. Some of these banks will also do this with discharged credit card debt they purchased from other banks for pennies on the dollar -- called "bottom feeding" -- and then slip in the same fine print as above.

[tanyev]

6. I send them back with "educational" info from DU.

[madmom]

13. I like this idea!...n/t

[tjwash]

8. CapitalOne sucks big time. I just canceled a shit card of theirs...

...they sent me an offer saying I was pre-approved for four thousand dollars and I could transfer balances over at 0%. So I got the card and transferred a couple of balances, and they bounced back because the card only had four hundred on it. The CC center said, "it was a typo. you were not approved for that amount. They put an extra zero it by mistake."

So I pay off the entire card to a zero dollar balance at the end of the month, and forget about it.

This morning I get an email from them saying I am ten days delinquent on making the payment on my zero dollar balance. I call them up and cancel the card, then send them a reply to the email I got this morning saying "Thanks for the email. It was unnecessary since I have a zero dollar balance, but you did remind me that I need to call your service center and cancel the card. Oh, and David Spade sucks big time"

[freestyle]

11. You can stop these offers and lots of other junk mail

Go to this website and download, fill in and send the various forms. I get very little junk mail and no credit card offers now. http://www.newdream.org/junkmail/ The organization is the Center for a New American Dream and they have lots of good information on a holistic view of environmentalism and practical steps individuals can take. Getting yourself out of the junk mail and credit card offer stream is one of them.