So why *do* credit card companies send so many offers to people who have BKed?

[Logan]

we got our first offer for a cc from chase i think a few days after filing ch7, and we getting offers to refinance the cars etc from one of our existing lenders too, how funny is that? the cc offers will go by way of the garbage can. only going to get 1 secured card afterwards, no temptations or anything. only for travel. these scumbag banks are something else...

An offer means nothing. Chase won't give you a credit card if you have a recent BK so it is trash anyways.

BTW...I was discharged 3 years ago and I can count the number of credit card offers I've received on one hand. Not everyone gets inundated with offers.

Logan

[researchnerd]

BTW...I was discharged 3 years ago and I can count the number of credit card offers I've received on one hand. Not everyone gets inundated with offers.

I've been discharged for >3 months and haven't had a single CC offer, but I opted out of those several years ago so I suspect I won't get many. Cap1 did check my credit a couple of months ago. DH has gotten a few CC offers, though, and they're always good for a laugh They go right in the trash.

[wonderingrov]

The ones that kill me are the auto loan offers. It seems like I get at least one of those a week - and looking through the fine print, if you met all of their qualifications, you wouldn't be in the market for an auto loan. And, quite frankly, looking at the companies offering them - they are companies I wouldn't do business with anyway.

I personally will not be buying any car I can't pay cash for in the foreseeable future. That way, I can pretty much tell the finance companies where they can take their interest rates, loan terms, and loan requirements.