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"here's a new credit offer, just spend X in 90 days and get free money!"
Yeah that one bit me
I really wish there was a government program where you can simply opt out of categories of junk mail. I don’t need a mailbox full of catalogues trying to get me to buy stuff, credit offers, or “charities”.
There is for some junk mail if you’re in the US: https://consumer.ftc.gov/articles/how-stop-junk-mail
Oh yeah. That's a great example. Just reading that sentence makes my eyes focus on the 'get free money' and less on the 'spend X'.
The good news is having those credit cards actually helped in in the long run as I had a means of paying for the 3 dental surgeries I needed in a 6 month span
Of course I'm still paying that all off but my interest rate is crazy low due to moving the money close to the end of every "0% rate" period
I was talking about this with a friend just the other night. A lot of those services can actually be helpful. The problem is they're so often predatory and just target people with the idea that they can buy things they can't afford.
They can be super useful that's for sure but damn can they really be predatory that's for sure
I swear when COVID hit my mailbox was getting stuffed with offer letters for cards every week
And one of the cards I got I got in anticipation of having a dental surgery, then it got hit super hard and ended going over 10k really quick due to the 3 surgeries I ended up having
I just see a big red flag. But those need some practice and upkeep since advertisers keep coming up with new schemes.