Today in the post came another letter telling me I'd been pre-approved for a credit card 34.9%. I get loads of these. I have very little money as I'm live on ESA. I've told various companies to stop sending me these applications or I'll spend their money and they'll never see a penny of it. I was a shocking shopaholic. I have not had a CC in 15 years making do with a card you have to load with money first. Why do they do this? I have a responsibility to not spend money I don't have which I learnt very late in life. Why don't they have a responsibility to not send CC to people who have not asked.