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Old 10-05-2008, 11:59 AM
 
Location: Leaving fabulous Las Vegas, Nevada
3,832 posts, read 6,472,770 times
Reputation: 7229

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So many people are in trouble now with credit card debt. Even banks like WaMu that's gone under have been sending me offers. So I think that not only are these offers bad for many people who receive them, but bad for the banks who can't collect.

Personally, I have been shredding all the unsolicited credit offers that have come to me in the past month. My shredder is full!

Does anyone know of a way to stop all those credit card offers. Something similar to the do not call list? I would like to stop them coming my way.

If not, maybe Congress should address this problem, too!
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Old 10-05-2008, 02:48 PM
 
947 posts, read 2,754,764 times
Reputation: 721
There should be a phone number on the CC solicitation that allows you to opt out. I did that and stopped receiving offers.
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Old 10-06-2008, 06:47 AM
 
Location: NE Florida
17,835 posts, read 29,112,104 times
Reputation: 43259
Similar to the National Do Not Call Registry, there is a list for people who don't want pre-approved credit applications or insurance offers. This is run jointly by credit reporting companies Equifax, Experian, Innovis and TransUnion, the service is free and allows you to opt out either permanently or for five years. Visit: www.optoutprescreen.com or call (888) 5-OPTOUT or (888) 567-8688.

You may still receive offers form credit cards you currently have, but we signed up for this and no longer receive offers from everyone out there.
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Old 10-06-2008, 07:44 AM
 
1,651 posts, read 2,674,378 times
Reputation: 282
I used to get loads of card offers, but never took them up. I get none now as I have never took them up. They don't see me as customer material so they don't bother wasting their time - or mine.
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Old 10-06-2008, 08:44 AM
 
Location: The Woods
16,353 posts, read 21,102,518 times
Reputation: 8276
I don't do credit cards, but the papers they send offering them make handy fire starters, rolled up and dipped in melted wax .
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Old 10-06-2008, 12:49 PM
 
Location: Maryland
1,667 posts, read 8,038,879 times
Reputation: 1586
I keep only one credit card with a high limit and points toward merchandise. But, like other people here, I get offers every day. What's worse, I usually get two, as my wife gets a duplicate in her name. When I save them for shredding, it's frustrating to see the pile of wasted paper every week. I guess if they accept too many customers and loose money, they'll be baled out again. What's the risk to them?
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Old 10-06-2008, 07:08 PM
 
Location: Great State of Texas
86,101 posts, read 68,538,000 times
Reputation: 27489
I have been using a laundry marker to write on them and then send it back in the postage paid envelope. Here's some of the doozies I've written:

"Don't you have enough debt already"
"The banksters took all my money"
"I don't want to feed this corrupt system"
"Are you crazy ?"
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Old 10-06-2008, 11:02 PM
 
4,268 posts, read 13,572,275 times
Reputation: 3337
Yeah no kidding.

It takes me about 30 minutes every weekend to shred my junkmail - most of it being credit card offers. Talk about breeding identity and credit card thefts. Then the credit card companies try to sell you ways to prevent credit card and identity theft. Quit sending me credit card offers jerks!!
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