Tempting

I get letters constantly from capitol one stating that I am pre-approved for their personal loans. I find this a tad amazing since I have never once applied for any type of loan and my only dealings with loans was when Mike got one when we where buying our house which over 6 years ago. Though sometimes I think about taking them up on their offer and using one of their secured loans to pay off our debt and get our house fixed up. But then I always think, what if something happens and we are unable to pay off the loan. What if Mike and I lose our income or there is a family medical emergency and we are unable to make the loan payment. Those thoughts make it quite easy for me to toss the pre-approved notice into the garbage can.