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How To Stop Credit Card Offers

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Didn’t it seem like the day after you applied for and was approved for your first credit card that the credit card companies keep jamming more credit card offers down your throat? Well, the reason why it seemed that way is because once you got that first card, you joined a very exclusive fraternity of credit worthy borrowers and now every Tom, Dick and Harry credit card company wants to give you a special promotion rate or special balance transfer or special cashback reward program – and you’re probably sick of it. I know I was and when I got my first credit card in college, about 8 years ago, OptOutPrescreen didn’t exist. Back then, we had to resort to techniques like writing “return to sender” or packing ripped up catalogs into those postage-paid response envelopes, which, if they didn’t work, certainly were a lot of fun. Now, you can just go to OptOutPrescreen and stop all those credit card offers from coming in the first place.

Why should you stop the mailings? Well, first off you lower the number of opportunities you give identity thieves to pilfer your good name. You’re in this exclusive fraternity now, don’t let it go to waste! Whether or not someone actually will steal your mail, apply for a card, and then intercept it again is not very probable, why introduce the risk when you don’t need to?

Second, you reduce the amount of paper waste that’s generated for no good reason. Considering response rates for direct mail is in the single digit percentages, that’s a lot of envelopes, letters, fake plastic cards, and shipping for absolutely nothing. Do your part for both the environment and your sanity by stopping the mailings!

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6 Responses to “How To Stop Credit Card Offers”

  1. mapgirl says:

    Or do what I did and run up your credit cards so your credit score stinks and they will magically stop!

    *sigh*

    I know, crappy advice. Damn. It’s a wonder anyone reads my blog.

  2. Blaine Moore says:

    I have signed up for the optoutprescreen, but I’m still waiting for it to take effect. Any time that I get a credit card offer or any other unsolicited junk mail, I shred anything that has my name on it and stuff the rest back in the reply envelope and mail it back.

  3. Patrick says:

    I signed up with optoutprescreen a few onths ago, and it worked wonders. I rarely get offers now, and the only offers I do get are from companies I am already associated with. Optoutprescreen doesn’t stop those offers. It’s a worthwhile service.

  4. I keep receiving them because sometimes the credit companies get a little crazy and give away “Zero cost transfers, zero interest for the life of the transfers”. I actually got two of these from HSBC about the same time, got them, maxed them from other accounts, and set up automatic payments of the minimum payment amount from my bank. If a company wants to loan me money for free forever, who am I to say no??

    As for recycling, my son’s school holds recycling events, so we just bag ‘em up and every so often drop them off. Help the environment by recycling, help the school’s fund drive, help the credit card companies (by receiving the offers). I’m QUITE helpful.

  5. Posco says:

    @CreditWithdrawal: LOL. I’m gonna bet those loans weren’t free. Most likely, you paid a 3% balance transfer fee.

    The optoutprescreen site really works. My wife was literally getting a 0% offer from Chase EVERY FREAKIN’ DAY. I was getting tired of shredding and recycling. Signing up definitely reduced the volume. We now only get credit card offers from the companies that we already do business with.

  6. MoneyNing says:

    I used optoutprescreen also and also can validate that it is a great service :) Nowadays I miss all the paper shredding :)


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