Can I make issuers stop sending me credit card offers in the mail? | Consumer Financial Protection Bureau (2024)

FAQs

Can I make issuers stop sending me credit card offers in the mail? | Consumer Financial Protection Bureau? ›

Can I make issuers stop sending me credit card offers in the mail? You can reduce the credit card offers you receive in the mail by calling 1-888-5-OPTOUT (1-888-567-8688) or by visiting OptOutPrescreen.com.

How do I stop a specific bank from sending me solicitations? You can stop receiving unsolicited "preapproved" credit card offers by having your name removed from the credit reporting agency mailing lists. Call (888) 5-OPT-OUT (that is, (888) 567-8688) or visit OptOutPrescreen.com.

If you don't want to get prescreened offers in the mail, you have two choices: opt out for five years: Go to optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688).

According to a Federal Trade Commission (FTC) Consumer Report, credit bureaus provide a toll-free number (1-888-5-OPTOUT (567-8688) that consumers can call to opt-out of pre-approved credit offers. Alternately, you can visit the website and fill out an online form to opt out of the pre-screened offers.

Opt out by phone: Call Capital One's toll-free number (1-888-817-2970) and follow the prompts to opt out of their marketing mailings. Send a written request: Prepare a letter containing your name, address, and the statement “I want to opt out of Capital One's postal marketing mailings and credit offers.

If you frequently receive credit card offers in the mail, you're not alone. Card issuers do this to expand their customer base and reach a wider target audience. These are called prescreened offers as the company has identified you as a prime candidate for a card.

You can do this by contacting the Direct Marketing Association's (DMA) or Mail Preference Service. Select the best opt-out registration method that meets your needs. Opt-out is a term used to describe a consumer desire to no longer receive unsolicited mail from a particular company.

I am writing this letter to close my credit card account for the following reason: __ I haven't used the account for quite some time and don't plan to use it in the future. I'm not carrying a balance on this account. Thank you for closing my account promptly.

Is it a good idea to opt out of credit card offers? ›

Safeguarding Your Identity From Credit Card Offers

Be cautious about sharing personal information and consider opting out of unsolicited card offers to reduce exposure to potential fraud.

It's important to note that this website is the only one authorized by the nationwide credit bureaus. Opt Out Prescreen will not reach out to consumers, so any phone call or email from anyone claiming to be from Opt Out Prescreen is fraudulent. Call the toll free number (888) 5-OPT OUT.

No, because prescreened offers and pre-approval involve a soft inquiry. Also known as a soft pull or soft credit check, a soft inquiry doesn't affect your credit scores. The soft inquiry is simply a way for lenders to determine whether you may qualify for their credit card offer.

You can reduce the credit card offers you receive in the mail by calling 1-888-5-OPTOUT (1-888-567-8688) or by visiting OptOutPrescreen.com.

In emails, look for the "unsubscribe" link, which is usually found near the bottom of the message. Alternatively you may set the preference to "No" for such communications in your profile. This can be done when you Register (create a new account).

Lenders offer live check loans based on information about your credit history from your credit report. If you do not want to receive live checks or other unsolicited loan offers, you have the right under the Fair Credit Reporting Act to opt out of future offers like this for five years or permanently.

Safeguarding Your Identity From Credit Card Offers

Be cautious about sharing personal information and consider opting out of unsolicited card offers to reduce exposure to potential fraud. If you do choose to apply for new cards, be sure to understand the card issuer's policies on security and fraud prevention.

You can't decline a credit card after being accepted, but you can always cancel your new credit card if you don't want the new account. Canceling a new credit line might be the right move if you're worried about going into debt you can't pay off.