There obviously is no financial crisis if Zoey has been pre-approved for a $5,000 credit card

Real Estate Agent with HomeSmart Realty West CalBRE #01458572

I occasionally get mail addressed to Mrs. Jim Frimmer (she doesn't exist), but today's mail brought a pre-approved credit card application for Mrs. Zoey Frimmer from a very large national bank. The application states that based on her credit rating, she is preapproved for a credit card with a $5,000 credit limit.

Now Zoey is a female, but to the best of my knowledge, she has no credit rating. She also can't read or write, so she cannot complete the credit card application.

The only place where Zoey has been connected to me is right here at Active Rain, more proof that Active Rain works!

Zoey needs your help in deciding what to do:

  1. Ignore the preapproved credit card application but save it in case she needs the $5,000 later
  2. Throw it away after cutting it into little teeny, tiny pieces so no one can apply in her name
  3. Have me complete it for her
  4. Learn to read and write so she can complete it herself
  5. Have me complete it for her and use it to buy all her cat food, cat litter, and cat toys.

Here are some pictures of Zoey to help you decide:

Zoey under the piano

Zoey on the bed

Zoey in her chair


Look at her houses!

Some of them look like they have some severe deferred maintenance.

Does she look credit worthy to you?

Zoey in her box

Zoey in her sack

Zoey in another box


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Kristin Moran
Owner - RE/MAX Access - - San Antonio, TX
San Antonio,TX - Real Estate - 210-313-7397

Hi Jim! -  I say number 3 and then follow it up with number 5!  Buy as much cat-nip as her heart desires! 

Where o' where did credit folks get her name & address?  Spooky!  KM

Sep 16, 2008 03:17 PM #1
Doreen McPherson
Homesmart ~ Scottsdale ~ Tempe - Tempe, AZ
Phoenix Arizona Real Estate ~

Go for it!  She looks retired to me, no income won't be an issue.  Once she gets one, all the banks will be after her!  LOL!

Sep 16, 2008 03:20 PM #2
Chris Canzano
Villa Realty Group, Inc. - Cape Coral, FL
Billion Dollar Broker - Cape Coral, FL

I suggest you go out and let her buy a new larger card board box.  the one in the picture looks rather small for her.

Sep 16, 2008 03:22 PM #3
Michelle Chamberlain
Above All Financial Services -Pennsylvania Mortgage Broker - Secane, PA
Suburban Philadelphia Mortgage Broker

The scary thing is that I bet Zoey could have got approved for a mortgage with some lenders a few years ago too. 

My 10 year old daughter has been invited to apply for credit cards a few times but never preapproved.  I've also been on the AARP's mailing list for the past 10 years so I get all kinds of offers for long term planning for seniors and the like (i'm 33).  That's the beauty of mailing list generated from huge databases.

Sep 16, 2008 03:25 PM #4
Rick Maday
Owl Home Inspections, Inc. - Schaumburg, IL
Schaumburg Home Inspector -


This is a great opportunity to teach Zoey the proper use of credit.  If she gets the card, she should get a part time job.  Nothing worse than a cat who thinks credit is free.  Next thing you know she'll be maxed out after a nice "kitty-cndo" and all the catnip.  Whoo-whee, I hate to imagine it.

Let her know that she'll have to deal with any collections calls if she falls behind! 


Sep 16, 2008 03:36 PM #6
Susan Neal
RE/MAX Gold, Fair Oaks - Fair Oaks, CA
Fair Oaks CA & Sacramento Area Real Estate Broker

I think she should just yawn, stretch, and go back to sleep and forget these silly humans trying to get her into the same credit mess with the rest of us.  Surely she's far too important for that nonsense.  She looks a lot like one of our cats, Dolly.  And I know Dolly doesn't put up with much silliness unless she's in the right mood. Then she can be very silly.

Sep 16, 2008 03:47 PM #7
Thomas Tolbert
Better Homes and Gardens® Real Estate Legacy - Savannah, GA

Just tear it up........ She seems happy without it.  She doesn't need to worry about bills!  Beautiful cat!

Sep 16, 2008 04:32 PM #8
Janna Scharf
Keller Williams Realty Coeur d'Alene - Coeur d'Alene, ID
Coeur d'Alene Idaho Real Estate Expert

What a hoot.  It does make one wonder where they came up with her name and contact information.  I think the company offering the credit card in these kinds of situations should be reprimanded...

Sep 16, 2008 04:44 PM #9
Bob & Carolin Benjamin
Benjamin Realty LLC - Gold Canyon, AZ
East Phoenix Arizona Homes

It is amazing. But we also had a cat once who was sent a credit card. We also routinely get credit cards for relatives who have passed away . None of this makes a lot of sense. Very cute kitty BTW.

Sep 16, 2008 06:51 PM #10
Kris Wales
Keller Williams Realty - Lakeside Market Center - Macomb, MI
Real Estate Blog & Homes for Sale search site, Macomb County MI

Does Zoey also get airline miles???

Sep 17, 2008 01:24 AM #11
Jim & Maria Hart
Brand Name Real Estate - Charleston, SC
Charleston, SC Real Estate

I'd totally fill it out and see if a new credit card shows up!  We've received other random junk mail for one of our cats, but if a pre-approval comes in like that, I'm sending it back in!

Sep 19, 2008 05:05 AM #12
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Jim Frimmer

Realtor & CDPE, Mission Valley specialist
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