Are your mailboxes and mailboxes constantly filled with credit card companies’ offers? Offered “pre-approved” credit cards can get annoying, especially when you’re not in the market for new loans. Many people buy and compare credit cards online, so there is almost no reason to buy credit cards by mail. Eliminating credit card deals not only reduces the amount of mail you deal with, but also reduces the amount of paper and waste that comes into your home.
Another great reason to stop credit card spam: to prevent phishing
If you do not separate or shred applications before throwing them, there is a chance that the thief could steal the application from the trash, send it to the post office and intercept the card.
It may be months and years before you detect a breach, especially if you do not regularly monitor your credit report.
How to unlock a credit card deal temporarily or for good
Many credit cards are sent based on credit bureau pre-screening. Credit card companies are asking credit bureaus to send a list of consumers who meet certain criteria. Then, the card issuer sends credit card offers based on that list. If you are the type of borrower your credit card issuer is looking for, you are likely to get a credit card offer. This process is perfectly legal, so complaining to a government agency will not solve your problem.
Fortunately, federal law gives you the right to opt out of this type of prescreening. By replying, you tell credit bureaus that you do not want your information to be sold to credit card companies.
You can also use these options to select the option again if you previously opted out.
No matter what method you use – visiting the website or calling – you will need to provide some personal information. Your name and address are required to confirm your identity. Your Social Security number is optional but can help the credit bureau process your claim. Before you enter your Social Security number, confirm that you are on the correct website. Look for “https: //” at the beginning of the hyperlink and lock in the address bar indicating that you are on a secure website.
Keep in mind that deducting credit card offers does not affect your credit score, positive or negative.
Stop Connected Telemarketers Associated With Credit Card
Some credit telemarketers may invite you to apply for credit card insurance, interest rate reduction programs, or other marketing related services. These services are often fraudulent to obtain payment information for phishing or to enroll in services that you do not really need.
You can stop telemarketers from contacting you by registering with the National Do Not Call Registry. The registry is free and reduces all telemarketing calls you receive – not just those you get from credit card companies and other related services.
You can register your phone number by visiting www.donotcall.gov or by calling from the number you want to register. For example, if you want to register your mobile phone, call your mobile phone.
Please note that this does not apply to calls from your existing credit card issuers that apply to existing accounts.
Stop spamming your credit card
With so many scammers on the internet, it’s hard to believe if the credit card offer you receive via email is legitimate. Even if you are interested in a credit card, you should not apply by clicking on the email. It may be fake false information to get your personal information.
You can reduce your credit card spam by increasing your email spam filter. Marking offers as spam can “teach” your email system to recognize these types of emails as spam and stop delivering them to your inbox.
Many email providers also allow you to block email from specific email addresses. Exploring these settings will prevent the email from making it to the inbox.
Some mail may fall through the cracks
While this process will stop most of your credit card spam, it doesn’t stop them all. You can continue to receive offers from companies you already do business with, such as your current credit card issuers.
Also, companies that do not go through the pre-screening process can still send bids to you. Still, giving up will eliminate most of the credit card deals and save you the headache of downloading them.