Congratulations: You're Pre-Qualified!

Our mailboxes are bombarded with credit card offers. Thousands of people receive unnecessary "junk mail" in their mailboxes each and everyday because of credit card companies trying to get your money. Even though many of these credit card offers are sincere, some of them try to entice you into getting a credit card by telling you that you are "Pre-Qualified!" Many of these credit card offers will have phrases like, "You're Prequalified!" or "Receive Your Free Credit Line Now."

Are Credit Card Companies Wasteful?

But are these credit card companies doing all of their research? Many times I have opened up one of these credit card companies' envelopes that say that I am "Pre-Qualified" only to get rejected when I actually do apply. However, I already know that I won't get approved because of my bad credit score rating. So why do they continually to send me credit card offers if I really am not "Pre-Qualified" and not at all eligible for any credit that they have to offer?

Thinking about how many times I receive a credit card offer like this in the mail at least 2 to 3 times a week makes me wonder how many more envelopes the credit card companies are stuffing and sending to people everywhere else in the United States. How many more people are not eligible for credit card offers, but yet receive envelopes in the mail telling them that they are "Pre-Qualified"?

Why Credit Card Companies Should Stop Bombarding Mailboxes

There are several reasons why credit card companies should stop bombarding everyone's mailboxes. The first reason is that they are wasting unnecessary trees in the process of mailing out these false "Pre-Qualified" credit card offers. This not only results in extra money being spent by the company, but also contributes to deforestation, an environmental problem that all of America should be concerned about.

One other reason that credit card companies should stop bombarding mailboxes is because they give the people that receive these credit card offers false hope. Not speaking from personal experience because I really don't mind receiving a credit card offer that I already know I will be rejected by, but am concerned with the people that truly either need to build up their credit or need an emergency credit card. Giving people false hopes should not be the job of credit card companies, but apparently this goes unnoticed.

All in all, credit card companies do need to take more care in selecting those people that are truly qualified for a credit card offer and not just go by some random list of names that they received from third-party vendors. Nobody benefits from unnecessary and false credit card offers in their mailbox, but it seems that everyone, including the environment, loses!