How to put an end to credit card junk mail
Thursday, January 25th, 2007
Categorized as: Savings Bond community
You can put an end to the junk mail credit card offers you receive at https://www.optoutprescreen.com, a site set up by the credit reporting industry.
What you are opting out of is pre-screening - allowing credit card companies to go fishing through millions of credit records, including yours, looking for candidates for "pre-approved" credit card offers. Vitrually all credit card junk mail involves pre-approved offers.
The online opt-out lasts for five years. There's also a permanent opt-out feature, but that requires downloading a paper form, signing it, and sending it in.
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Here's another fun thing to do. (I've gotten this idea from elsewhere, tried it and it and had lots of fun.)
Take all your credit card junk mail, switch the reply envelopes and application forms of the different companies, and send the application of one CC issuer to another CC issuer. Cross out the application and write in bold letters, "next time save a tree."
I'm sure if enough of us do this, the cost of them processing their own junk will cause them to reconsider their business model.