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That's because those offers -- also known as prescreened offers in the industry -- are just one of the ways credit card companies make offers to customers -- of all ages.

"Issuers are not breaching any compliance if they are sending you those offers," says Anuj Shahani, director of competitive tracking services for Synovate, a direct-mail marketing research firm.

The following blog post may seem long and get somewhat technical at times, but guess what?

The minute you bought your child a smartphone, laptop, tablet, gaming console or any other Internet connected device you became a technical parent!

Despite the fact that new credit card reform rules banned those preapproved credit card offers to people under 21, it hasn't stopped the flow of card offers mailed to teens and young adults.

The remaining 20 percent to 30 percent of mail that goes out -- called "invitations to apply" -- is generated because consumers sign up for loyalty or rewards programs, join unions or nonprofit groups or, in a few cases, sign up for freebies and provide a merchant with their mailing addresses.

Earn 1 Reward Point per

The remaining 20 percent to 30 percent of mail that goes out -- called "invitations to apply" -- is generated because consumers sign up for loyalty or rewards programs, join unions or nonprofit groups or, in a few cases, sign up for freebies and provide a merchant with their mailing addresses.

Earn 1 Reward Point per $1 purchased on your Visa Rewards Credit Card.

Double points earned on purchases of gas and groceries. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account.

With no monthly service fees and ATM surcharge rebates up to $6 a month, it's a great way to introduce your teen to financial responsibility.

With Teen Checking, you can transfer money instantly to your teen’s account via online banking, set the daily limit on their debit card, and even monitor spending with free transaction alerts!

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The remaining 20 percent to 30 percent of mail that goes out -- called "invitations to apply" -- is generated because consumers sign up for loyalty or rewards programs, join unions or nonprofit groups or, in a few cases, sign up for freebies and provide a merchant with their mailing addresses.Earn 1 Reward Point per $1 purchased on your Visa Rewards Credit Card.Double points earned on purchases of gas and groceries. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account.With no monthly service fees and ATM surcharge rebates up to $6 a month, it's a great way to introduce your teen to financial responsibility.With Teen Checking, you can transfer money instantly to your teen’s account via online banking, set the daily limit on their debit card, and even monitor spending with free transaction alerts!

purchased on your Visa Rewards Credit Card.

Double points earned on purchases of gas and groceries. Balance transfers are treated as cash advances so interest accrues from the date the transfer is posted to your account.

With no monthly service fees and ATM surcharge rebates up to a month, it's a great way to introduce your teen to financial responsibility.

With Teen Checking, you can transfer money instantly to your teen’s account via online banking, set the daily limit on their debit card, and even monitor spending with free transaction alerts!




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