Understanding Card Offers

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  • PMS 5425 (blue) PMS 5585 (green) PMS 518 (purple) PMS 7506 (vanilla) Titles will be in Verdana and text in Century Gothic. Blue 5425: 127, 161, 182 green 5585: 201, 218, 209 Purple 518: 90, 32, 73 Vanilla 7507: 225, 228, 184
  • Understanding Card Offers

    1. 1. Congratulations, You’re Pre-Approved! A guide to understanding credit card offers.
    2. 2. Not All Cards Are Alike
    3. 3. It’s in the Box,
    4. 4. And Out of the Box. <ul><li>Teaser Rates </li></ul><ul><li>Bait and Switch </li></ul><ul><li>Balance Transfers </li></ul><ul><li>Due Times </li></ul><ul><li>Short Grace Periods </li></ul><ul><li>10 Things You’ll Find in Fine Print </li></ul>
    5. 5. 10 Things You’ll Find in Fine Print (continued) <ul><li>Universal Default </li></ul><ul><li>Over Credit Limit </li></ul><ul><li>2-Billing Cycle </li></ul><ul><li>Rewards Programs </li></ul><ul><li>Binding Arbitration </li></ul>
    6. 6. How to Shop for a Card <ul><li>Do you expect to: </li></ul><ul><ul><li>Pay your monthly bill in full? </li></ul></ul><ul><ul><li>Carry over a monthly? </li></ul></ul><ul><ul><li>Get cash advances? </li></ul></ul>
    7. 7. Compare Card Features
    8. 8. 4 Smart Ways to Use Your Card <ul><li>1. Build a good credit rating. </li></ul><ul><li>2. Protect your big purchases. </li></ul><ul><li>3. Make online shopping safer. </li></ul><ul><li>4. Use card as a low-interest loan. </li></ul>
    9. 9. Keeping it Private <ul><li>Who can send you a credit card offer? </li></ul><ul><ul><li>Credit card companies purchase credit information from reporting agencies. Offers are sent to individuals who meet specific criteria, such as credit score, age, income, etc. </li></ul></ul><ul><li>How to get yourself off the list </li></ul><ul><ul><ul><li>Visit OptOutPreScreen.com, or call:  1-888-567-8688    </li></ul></ul></ul><ul><ul><ul><li>      </li></ul></ul></ul><ul><li>Shop for a card for yourself </li></ul><ul><ul><ul><li>You’ll get a card you want from a company you trust. </li></ul></ul></ul>
    10. 10. Summary <ul><li>Always read all the material included in the offer. </li></ul><ul><li>Pre-Approvals are not a guarantee </li></ul><ul><li>Know how you’ll use the card before you apply </li></ul><ul><li>Shop for a card as you would any other loan. </li></ul>

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