| T.R | Title | User | Personal
Name | Date | Lines |
|---|
| 779.1 | | EOS::ARMSTRONG | | Sun Mar 13 1994 11:06 | 4 |
| At least they're saving money by not sending it to all
of us 'non-valued' customers. At least I haven't gotten
any of these recent gems.
bob
|
| 779.3 | | NASZKO::MACDONALD | | Mon Mar 14 1994 13:27 | 18 |
|
Re: .0
> Basically, the whole thing is apallingly written so as to be almost
> not understandable.
This is precisely how I found most of the communications about the
upcoming fees that were sent out last Fall. They were not well
organized so it was difficult to pick out the important information.
A DCU person on the phone basically told me that if I was uninformed
that it was my problem for not being willing to read all their stuff.
Again the tail wags the dog...
Steve
|
| 779.4 | | PATE::MACNEAL | ruck `n' roll | Mon Mar 14 1994 13:44 | 7 |
| � Now, this mortage giveaway, on expensive paper, that again isn't clear
� is another waste of DCUs profits. I thought the idea was to increase
� the capital ratio, not reduce it with this nonsense.
If you believe the information posted in the minutes and elsewhere,
similar mailings have led to business with the DCU (e.g. earlier
mortgage promotion, car loan promotion).
|
| 779.5 | | PATE::MACNEAL | ruck `n' roll | Tue Mar 15 1994 12:19 | 5 |
| I got the mailing and didn't think it was at all confusing (except that
fact it was sent to my 3 year old daughter). There were several
products mentioned in addition to the no points, no closing costs
product. It wasn't very hard to figure out that $100 off of closing
costs applied to those other products.
|
| 779.6 | new concept - morgages for kids | GNPIKE::KYZIVAT | Paul Kyzivat | Tue Mar 15 1994 19:58 | 15 |
| I think I see a stupid pattern here...
My family has accounts in four names: me with wife joint, wife with me
joint, daughter with me joint, son with me joint.
Out of this, I have received one morgage offer to my daughter, who is
21 - not a minor, but also not a good candidate for a morgage.
Based on earlier replies to this note, it appears that many of these
offers are going to kids.
Doesn't appear that this offer was well planned. Would a BOD member
care to inquire what criteria were used for the mailing?
Paul
|
| 779.7 | Target Marketing | ASE003::GRANSEWICZ | Candidate for DCU Director | Tue Mar 15 1994 23:17 | 38 |
|
> Doesn't appear that this offer was well planned. Would a BOD member
> care to inquire what criteria were used for the mailing?
Don't have to. It's all done via the miracle of "target marketing".
We have been told this is the most efficient (cost and otherwise)
way of doing this.
I got one of these also. Even though I had refinanced through DCU only 9
months ago (sold to Shawmut). But I DIDN'T get a car loan offer even
though I currently don't have a car loan and could certainly use a new
one. I'm keeping an eye on my mailbox though!
But the good news is that this is the FIRST direct offering I have ever
gotten from DCU. After almost a year and a half of hearing about all
our mailings (at Board meetings) and then never getting anything, I
decided to do some detective work. I had my credit report pulled and
found out what the criteria used were and determined why I was not
receiving these mailings.
There were a couple of problems, one of which I can't discuss because
it had to do with a glitch at the credit agency. But it was an
issue that would have applied to hundreds, maybe thousands, of other
DCU members. I have been told this glitch was fixed and the fact that
I received a mailing seems to indicate this.
And then there was also the problem that my closed DCU VISA credit card
hadn't been reported to the credit agency. See, no special treatment
for us Directors. 8-)
The whole exercise pointed out the importance of making sure your
credit file is in order and that there aren't a lot of old credit cards,
wrong info, etc. I would STRONGLY URGE everybody out there to get a
copy and review/correct it. Also remember that there are 3 agencies that
you'll need to check. I'm going to make a point of checking these
every few years.
|
| 779.8 | | STRATA::JOERILEY | Legalize Freedom | Wed Mar 16 1994 04:41 | 11 |
| RE:.7
> I would STRONGLY URGE everybody out there to get a
>copy and review/correct it. Also remember that there are 3 agencies that
>you'll need to check. I'm going to make a point of checking these
>every few years.
Could you list these three agencies? I'm sure there are more like
myself who don't know who these agencies are. Thanks
Joe
|
| 779.10 | | STROKR::dehahn | ninety eight...don't be late | Wed Mar 16 1994 09:03 | 9 |
|
Three that I can think of right off the bat are:
TRW
Chilton
Equifax
Chris
|
| 779.11 | | STAR::FERLAN | DECamds as your cluster mgmt tool | Wed Mar 16 1994 09:25 | 9 |
|
See note 542.0-.last ... I would venture to guess that the addresses
in .0 are still valid...
John
|
| 779.12 | | AOSG::GILLETT | Running for the DCU Board | Fri Mar 18 1994 12:00 | 8 |
|
re: .10
And if you live on the east coast, there's also Credit Data of New
England (or is that "Credit dater" :-)).
Chris
|