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How to Put a Stop to Credit Card Offers

Savvy Solution: Stop Receiving Credit Card Offers

My mail pile generally looks like this: credit card offer, catalog, credit card offer, catalog. See a pattern that reminds you of the mail on your kitchen counter? All of the credit card companies congratulate me because — lucky me — I've qualified for their amazingly low interest rate! Sometimes I just throw them away, and sometimes I open an envelope or two just to make sure I'm not discarding something useful. So far, the random mail I've opened has also ended up in the shredder.

Did you know there's a way to put a stop to this endless stream of junk mail? You have the right to opt out of receiving unsolicited credit card offers which, by the way, are based on your credit report. To find out how to opt out


There are two choices; you can call 1-888-5-OPT-OUT or go to the Opt Out website and follow these steps.

  1. Click opt-out button.
  2. Choose to opt-out for five years or permanently. The permanent option requires that you mail in a form and the five year option can be completed online.
  3. Provide name, address, social security number and date of birth. The site says that your social security number and date of birth are optional, but they recommend supplying those details to successfully process your request.

Credit companies have 30 days to comply, so expect to receive offers during the month following your request. Do credit card offers annoy you enough to opt-out?


Join The Conversation
look-its-cath look-its-cath 9 years
Thanks Savvy. I get about 2 of these a day so it will be a huge relief to open my mailbox to NOTHING soon. <3
dyskrasia dyskrasia 9 years
I'm really late, but here's some more reassurance from the FTC (4th one down): Of course, if you don't trust the above link, you can always go to the FTC site > Consumer Protection and highlight over Credit & Loans > Credit Cards & Consumer Loans, then scroll down (or use your browser's search function) to find the link "Prescreened Offers of Credit and Insurance".
NurseBossyBum NurseBossyBum 9 years
I am gonna do this too!! yay! I would never have done it without this site either :woohoo: I love savvysugar ♥
monkeygirlm monkeygirlm 9 years
Thank you! There's something about having this in front of you on the screen that prompts a person to DO it. I may not have done it without you.
shhweet shhweet 9 years
awesome! thanks!!
tinsleystyle tinsleystyle 9 years
Thanks chakra_healer :)
sugarbecky sugarbecky 9 years
Thanks, I'm going to opt out right now!!
BajanBeauty BajanBeauty 9 years
Thanks! I was searching for this link. I used this a long time ago and it actually worked, but when I refinanced my house the credit card offers started again. I will bookmark it this time.
rlveronica rlveronica 9 years
Thank you, thank you, thank you.
sbfotos sbfotos 9 years
Thank you for this brilliant piece of info. My shredder is on it's last shred I'm afraid. xoxo
chakra_healer chakra_healer 9 years
Btw, I am discussing Optout prescreen, not Green dimes. There is no need to pay for something that you can easily accomplish for free and without any hassles. Also want to add, I believe the CRAs run Optout prescreen. From the site: " is the only internet website authorized by Equifax, Experian, Innovis and TransUnion for consumers to Opt-Out of firm offers of credit or insurance."
chakra_healer chakra_healer 9 years
Tinsleystyle. I wondered whether it was a private company or not as well, and ultimately, I opted out by calling the number because I didn't want to do it online. Keep in mind, that opting out is your consumer right, the site and number are just a way to help you opt out to all consumer reporting agencies. Speaking from experience it is safe, and will be noted on your credit reports.
chakra_healer chakra_healer 9 years
I permanently opted out last year because it is just too easy for the pre-approvals to fall into the wrong hands. The volume of credit card offers, loan offers, catalogs, and other junk-offer mail has decreased from five or more a day to one a month, love it! I also contacted my CC companies and requested to not receive offers from them or partner companies. This also required a form to fill out and send back. One more thing I did, and this may not be for everyone, I froze all of my credit reports. I decided to do so in case there were any security breaches with my data - between work, schools, banks, shopping web sites, etc. - I have a lot of info out there and I love the extra security. Very nice to see consumer friendly security options being implemented.
tinsleystyle tinsleystyle 9 years
I'm a little bit worried - yes, the option sounds great, but is this a private company, or a government-sponsored initiative, or what? I'm just wondering where my information is actually going...
Mademoiselle Mademoiselle 9 years
Green dimes in another way to opt out. - they cost $20 but they monitor every month.
Smart-Living Smart-Living 9 years
Hi rivrchild- Copy this link in to your browser. Hope it works for you this time! Savvy
steen steen 9 years
THANK you! I get a ton of these since I work hard to have a pretty decent credit score and they're annoying!! I'm doing this ASAP.
heineken67 heineken67 9 years
I got a bunch of offers for the 30 day period after I opted out, but I'm happily free of them now.
jessielynne3 jessielynne3 9 years
Hallelujah! Thanks Savvy! I'm glad you're here and can't wait to read more!
rivrchild rivrchild 9 years
The link for the Opt-Out site isn't working for me ... :(
koolbr33z3 koolbr33z3 9 years
Thanks again for answering my question, Savvy! This is a great website!
terryt18 terryt18 9 years
I did this awhile back and just realized that I haven't been getting all those offers. Ha! It is really nice though. I still get junk mail, but not so much.
missquiet missquiet 9 years
Thank you, Savvy!! :D
mizlynz mizlynz 9 years
Thanks for posting this tip! I didn't know they had an opt-out thing for credit card notices!
sgdish sgdish 9 years
I hate getting those. Thanks!
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