Tired of credit card offers? Opt Out

January 20th, 2011 BY Claire Moore

american-express-89024_640If you’re already up to your ears in credit card debt, the last thing you need is another credit card. Yet the credit card companies love you because you faithfully make the minimum monthly payment. That’s why you get several offers each week in the mail tempting you to open up another card account.

The smart thing to do is to pay off the cards you have as soon as possible. The longer it takes to pay off your debt, the more interest you end up paying. Yet those new card offers are enticing. They promise a low entry rate to get you hooked and then they reel you in like a mackeral. Don’t be fooled.

Stop those offers coming by opting-out. Opt-Out refers to a process that allows you to remove your name from mailing lists used by card companies and insurance agencies that want to send you offers. You can choose to opt-out for five years or permanently. This service is only for individuals and does not include a business or company that might want to opt-out.

You can go to http://www.optoutprescreen.com and read more about the process. You can also use the web site to complete the opt-out process. If you choose to permanently opt-out, you’ll have to follow up your web request in writing by submitting a Permanent Opt-Out Election form also available at the web site. The service is easy and it’s free.

You won’t be able to stop all mail solicitations but you can cut them down substantially. So if you’re tired of sifting through piles of junk mail, then do yourself a favor and opt-out.

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