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Jul 31 2012

CREDIT CARD TARGETED OFFERS – ARE YOU BEING TARGETED?

Have you ever wondered if you’ve throw away a great targeted credit card offer? I’ve heard of some people lately getting great Chase targeted offers like the Chase Ink Bold with no minimum spend (currently it’s a $10,000 min. spend) or a Chase Sapphire offer for 50,000 Ultimate Rewards points without a minimum spend.

I always suggest going through your mail thoroughly. Don’t just toss! Look through the junk because you might find a nice jem!

What can you do to encourage lenders to send you more targeted offers? Two things.

  1. Sign up to receive marketing emails with any lender you have a relationship with. Opt in for email from all of the following relationships you have: lenders, airlines, hotel chains, etc.
  2. Set up your preference with all lenders to receive all email correspondence choices they have. Many targeted offers come through these emails.

You can also check online to see if you are targeted by a lender. Here is a list I’ve complied of several different lender that will allow you to check online for targeted credit card offers.  I will update and add to this list if I become aware of other lenders sites.  Please leave a comment if you know of other lender sites that I could add to this list.  I have also added this as a page to the Miles Momma site under “Credit Help  – Targeted Credit Card Offers” for your future reference.
 

DISCOVER 

Check for pre-approved offers by entering your name, last four numbers of social security and answering a basic credit question.  Note: Does not check your credit report

LINK

https://www.discovercard.com/cardmembersvcs/acqs/app/chooseMyOffer/findMyOffer

CHASE
You can check your recently target offers from this Chase site address

 

LINK  https://creditcards.chase.com/RecentlyMailedOffers.aspx
CITIBANK 
 I am not aware of a way to check for pre-approved offers on Citibank’s website.  
You can input your invitation code from an offer receive in the mail though. 
LINK   https://www.citicards.com/cards/acq/Apply.do?screenID=3013&app=PREAPP&siteId=CB&langId=EN&locale=en_US
BARCLAY

You can check for offers that you “might” be eligible for.  From my understanding of the terms & conditions describe on their site, they will probably be doing a soft pull on your credit.  It states that this inquire is not a “full credit card application” and will not be visible to any other lenders on your report.  So I believe this is one of those credit card pulls that appear on your report when you are “pre-approved” and do not solicit them to check your credit.  If you review your reports thoroughly you know what section I’m talking about.  It is usually at the very end of your report and indicates that these inquires are not viewable to any lenders but only you & the credit bureau.

LINK

https://letmechoose.barclaycard.co.uk/

AMERICAN EXPRESS

 If you have an American Express account, you can check your pre-approved offers with the following sets:

Log in to your account
Click on “Cards” on the top bar
Choose “Learn more about Charge & Credit Cards”
Click on “Pre-approved for you” 

LINK

Log into your existing account

 
I will be adding to this list as I discover more.  If you know of any other lender sites you can check for pre-approved offers please do share in the comment section and I will update.  I’ve also added this to the Miles Momma site under the section “Credit Help” for your future reference. 

 

Permanent link to this article: http://milesmomma.com/chase-targeted-offers-are-you-being-targeted/

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