How to Opt Out of Credit Card Offers

By Contributing Writer

  • Overview

    Credit cards can be a valuable financial tool, but receiving repeated unsolicited credit card offers in the mail can be annoying. The credit card companies rely on direct mail offers as one of their primary marketing tools, so it can be hard to avoid a flood of junk mail in your mailbox. According to Stopthejunkmail.com, Americans receive billions of these credit card offers each year, even though they did not request them. Luckily, there is an easy way to opt out of all future credit card offers.
    How to Opt Out of Credit Card Offers
    • Step 1

      The Federal Trade Commission (FTC) requires all three of the credit card bureaus to honor consumers' requests to opt out of credit card offers. To opt out from receiving future credit card solicitations, call (888) 567-8688 or visit OptOutPrescreen.com. You will have to provide some personal information so the credit bureaus can remove you from their marketing lists, including your social security number. The FTC assures consumers that it is safe to give out your personal information for this purpose.
    • Step 2

      Be sure to make a note of the date you submitted your request and, if you complete the process online, print your confirmation for your records. Your opt-out will only be good for five years, so you will have to complete the process again at that time. Having a handy note on your calendar can make it easy to remember when to call-before you start receiving credit card offers again.


    • Step 3

      You also need to send a letter to each credit bureau requesting that they refrain from using your information for marketing purposes, in addition to completing Step 1. Your letter should include your name, address, birth date and social security number. You can find the addresses for each of the credit bureaus below under "Resources."
    • Step 4

      After you complete these steps, it may take up to 2 months for the information to be processed, so don't be alarmed if you still receive a few credit card offers in the immediate months after making your request. However, if you continue to receive credit card offers after 2 months, be sure to file a complaint with the FTC. You can file a complaint by visiting Ftccomplaintassistant.gov. It is your right to opt out of credit card offers, and if the credit companies are ignoring your requests they could face serious penalties from the government.
    • Step 5

      If for some reason you decide you would like to start receiving credit card offers again, simply visit the website listed in Step 1 and follow the instructions to opt back into the marketing programs.
    • Skill: Easy
    • Ingredients:
    • Computer or telephone
    • Internet
    • Warning:
    • If you have a joint mortgage or car loan with a spouse or partner, you need to complete Steps 1 through 3 with their name and personal information as well. Otherwise, you will likely continue to receive credit card offers addressed to that person.

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