How to Opt Out of Credit Card Offers

Spring is here. Time to get rid of all the dirt and grime that Winter left behind. One of the things that may be piling up in your house is a stack of offers to sign up with a new credit card or lower your insurance. While these are great financial tools, you may not want to know about them every day in the form of a junk-filled letter.

One of my 10 Things needed to have success with your finances is to be intentional. It's hard to be intentional when all you have is a barrage of messages to sign up for this or join that. You should sign up for credit cards when you want to, right? Not when the credit card company wants you to. Here's how to opt out of all those credit card offers:

Visit a website called and sign up for their five year or permanent opt out service. It's free and your right under the Fair Credit Reporting Act.

Also, if you want to get rid of general junk mail, is where you can opt out of general marketing mail. DMAchoice represents about 80% of the total volume of marketing mail in the United States. So you'll be getting rid of a lot of mail by signing up with them.

Both services are free.

Now, what this doesn't do is stop the junk mail that comes from your bank or your current credit card providers. Don't you hate those annoying cash advance checks? To get rid of these mailings, call your bank or credit card company directly. While you're at it, why not sign up for electronic statements as well?

Regarding opting out, I know this isn't for everyone. There are some benefits to getting offers in the mail. You can use these offers to negotiate lower rates on your current credit cards, find the best cash back credit cards, or find a really nice 0% interest rate deal. Just keep that in mind when deciding on whether to opt out or not.

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Last Edited: July 24, 2017 @ 2:50 pm
About Philip Taylor

Philip Taylor, aka "PT", is a former practicing CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of FinCon, the conference and community dedicated to helping other financial influencers and brands. He created this website back in 2007 to share his thoughts on money, hold himself accountable, and to meet others passionate about moving toward financial independence.

PT uses Personal Capital to keep track of his financial life. This free software allows him to review his net worth regularly, analyze his investments, and make decisions about his financial future.

PT keeps a portion of his emergency fund in Betterment, the automatic investing tool that makes investing super simple. Betterment focuses on what matters most: savings rate, time in the market, investing costs, and taxes. PT recommends this service to anyone looking to get started investing for themselves.

All the content on this blog is original and created or edited by PT.