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1 family gets 445 credit card offers in a year
Highland Park clan even received mailings to their children, 11 and 8
Somebody had to do it. Who, after all, hasn’t wondered how many credit card applications arrive in their mailbox in a year?
Gary Silbar of Highland Park decided to find out and has saved 445 applications to show for it, including a hefty 35 addressed to his kids, Max, 8, and Jake, 11.
Silbar collected and sorted every application sent to his family of four between November 2007 and October 2008. He filled two filing boxes with them and likely extended the life of his shredder.
“I had no idea it would be this amount,” Silbar said, ripping open a few of his most recent mailings to demonstrate their variety.
The stack of “pre-approved” promises and “apply now” pitches weigh in at 23 pounds and include offers of zero balance transfers, air miles and local store discounts.
It all began when Silbar received seven applications in a day and tried to imagine how many he could harvest in a year. (Read more at: Chicago Tribune)
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{Photography by Oran Viriyincy }
‘GMA’ Gets Answers: Some Credit Card Companies Financially Profiling Customers
A new policy being used by at least one major credit card company judges a shopper not necessarily by his credit purchases and payments alone, but also by the fiscal behavior of the fellow shoppers in the stores he visits.
And in some cases, the bad repayment history of the guy behind you in line at your local megastore could result in a reduction of your credit line, which, in turn, could lead to a reduction in your credit score — all because of where you shopped.
Kevin Johnson, 29, of Atlanta, says he got caught in such a financial headlock.
Johnson is, by all accounts, the type of customer most credit card companies want.
He runs his own public relations firm in downtown Atlanta. He owns his own condo in a nearby neighborhood. And he knows how to manage credit wisely.
“My dad worked in the credit industry. So talking about finances was a common thing in our household,” Johnson said. “I learned from an early age not to abuse that type of access to money.” (Read more at: ABCnews.go.com)
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{Photography by Bird Eye}
Threat Level Privacy, Crime and Security Online NSA Whistleblower: Grill the CEOs on Illegal Spying
Former National Security Agency analyst Russell Tice shed new light on the Bush administration’s warrantless domestic spying last week when he told MSNBC that the NSA blended credit card transaction records with wiretap data to keep tabs on thousands of Americans.
But Tice didn’t say where the credit card information, and other financial data, came from. Did the agency scoop it in as part of its surveillance of U.S. communications backbones, or did financial companies give up your records in bulk to the NSA? (Read more at Wired.com)
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{Photography by Greg}
Colleges Profit as Banks Market Credit Cards to Students
EAST LANSING, Mich. — When Ryan T. Muneio was tailgating with his parents at a Michigan State football game this fall, he noticed a big tent emblazoned with a Bank of America logo. Inside, bank representatives were offering free T-shirts and other merchandise to those who applied for credit cards and other banking products.
“They did a good job,” Mr. Muneio, 21 and a junior at Michigan State, said of the tactic. “It was good advertising.”
Bank of America’s relationship with the university extends well beyond marketing at sports events. The bank has an $8.4 million, seven-year contract with Michigan State giving it access to students’ names and addresses and use of the university’s logo. The more students who take the banks’ credit cards, the more money the university gets. Under certain circumstances, Michigan State even stands to receive more money if students carry a balance on these cards.
Hundreds of colleges have contracts with lenders. But at a time of rising concern about student debt — and overall consumer debt — the arrangements have sounded alarm bells, and some student groups are starting to push back.
The relationships are reminiscent of those uncovered two years ago between student loan companies and universities. In those, some lenders offered universities an incentive to steer potential borrowers their way. (Read more at: NYTimes.com)
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{Photography by Jim Bowen}
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