Got the Credit Card Blues

Well, just check your email, because you will find a dozen spam emails pimping credit cards. Wait, didn’t our government just pass stiffer credit card legislation? How come all of a sudden I am being spammed for numerous credit card offers? I hate spam!

I’ve asked this question before, who sends these emails. The answer as per first premier bank says, “One of our marketing partners.” It is secret spy marketing partner that spies on our emails and our surfing the internet and then sends us spam. Ironically, I am flooded with credit card email solicitations because I research credit to expose exploitations-and they keep giving me more content. So really in that regards, I can’t complain.

Also, going back to yesterday’s blog in regards to our consumer based economy and over 40% of population is in the financial services industry, I had to stop and think of all the people who were getting paid money to send these solicitations and spam. Someone was paid to write the advertisement copy. Someone was paid to design the graphics of the email and most certainly someone was paid to enter a data base of email lists to send to potential consumers. Could we not think of anything better to do with our recourses and money then create credit card email spam?

But some of these spammers were kind enough to leave a calling card-one was Netspend. Surprising this company has won awards for selling credit. Huh, didn’t know they gave awards to selling credit cards? They can’t be that great, or else they wouldn’t be spamming me.

Then there was Impulse marketing group, in which you can read hear the law suit filed against them for unlawful credit practice. This just proved my point; depraved people only out to make money of the misfortunate are soliciting credit cards. I didn’t have to do much research to learn that.

So here’s my question, anyone with any common sense has realized credit card spending needs to be done so with much more responsibility, so why are they flooding my email for offers? Back to my point in yesterday’s blog that the majority of industry is the financial services industry. Of course there are thousands of “financial entrepreneurs” wanting to make a profit off Americans looking for lower interest rates, rewards, blah, blah, blah. There is a fear now that the government placed regulation of creditors, now they are selling hard better cards…but here’s the point-they are still selling credit cards. There are still too many people trying to make a buck buy pushing credit.

You see this is the problem, consumers should learn not to be so irresponsible with spending on credit and credit lenders should learn to be more responsible with lending credit. We as a nation and an economy need to get back to the basics, spend what we earn, save for what we want and work to achieve it. They days of fast cash are over-but then I think there are some who still don’t want to accept and what to make their fortune at the expense of others.

Personally I think we need to stop making selling credit a career. I can’t imagine “credit marketer” is a collegiate degree or even curriculum. It has very little meaning in today’s society and with our nation’s problems today, can’t we do anything more productive. People know where to go to get money, the bank or their credit union. They don’t need every Dick or Harry pushing credit through cyberspace. My advice to these credit pushers –Get a real job.