Stop Credit Card Offers From Entering Your Mailbox

At first, I thought this was a scam, but it’s not. I was able to stop preselected credit card offers from entering my mailbox. It only takes a few minutes and my junk mail collection is much smaller than it was a few months ago.

How I Stopped Receiving Preselected Credit Card Offers

If you’re like me you hate receiving credit card offers in the mail for the following reasons:

  • I have no desire to own a credit card for each U.S. airline
  • I’m happy with the credit cards I own
  • I’m a top-secret treehugger
  • Another credit card won’t help us thrive on $35,000

While it was nice knowing I could qualify for some decent travel rewards and cash rewards credit cards, specifically American Airlines and Capital One, my wife and I knew we would never apply to a credit card offer in the mail.

If we really want an offer, we will Google the rewards cards that we want. Or, read about the latest bonus offers from our favorite bloggers.

Step 1: Visit OptOutPrescreen

I visited OptOutPrescreen to get the ball rolling. The site is operated by the four largest credit bureaus (Equifax, Experian, TransUnion, and Innovis) and looks rather primitive.

Stop Credit Card Offers
The OptoutPrescreen Homepage is Legit does have a rather primitive homepage. But, it is legitimate and the official way to stop unsolicited credit card offers.

Step 2: Click the Button to Opt Out

Stop Credit Card Offers
Click the blue button at the bottom of the page to initiate your unenrollment request!

The second step is to click the button “Click Here to Opt-In or Opt-Out.”

You have three different options on the next screen:

  • Opt-In
  • Opt-Out for Five Years
  • Permanent Opt-Out

If you ever decide in the future that you want to receive “firm offers for credit and insurance” again by mail, you can reverse this decision by visiting OptOutPrescreen again.

Let’s look at the different opt-out options.

The first option is 100% electronic and you will not receive any preselected mail offers for the next five years.

If you’re like me and my wife who literally transfer each piece of junk mail from the mailbox to the recycle bin, you will want the permanent opt-out. The process begins online and each person needs to mail in their own form to complete the process.

Step 3: Complete the Application

On the next screen, you will enter your personal information and mailing address. There’s also a Captcha that needs to be completed to verify you are human.

You will need to complete a separate application for each person in your house.

Stop Credit Card Offers

If you are only choosing to stop receiving preselcted credit offers for the next five years, this will be your final step. No forms will need to be mailed in.

For those that never wish to receive another piece of junk mail again, need to move on to the fourth step.

Step 4: Mail In Your Form(s) For Permanent Removal

Stop Credit Card Offers

Before your name can be permanently removed, you will also need to print and sign a form. If you don’t mail it in, your name will only be delisted for five years.

During the entire process, it might feel as if you are signing away your firstborn because you will no longer receive preselected credit card offers (GASP!). Let me tell you from firsthand experience, our family is still intact and we are all healthy and happy.

Remember, that you will need to send a separate form in for each adult in your household.

Step 5: Walk to an Empty Mailbox

It will take a few weeks for the credit card and insurance companies to update their lists. After that, you will no longer receive a preselected card offer ever again!

Now, I just have to figure out how to have our banks sending us life insurance offers at least once a month!

You Will Still Receive Offers from Your Bank

We still do receive the occasional credit card offer, but, it’s from the financial institutions we keep our money at. Our mortgage company sends us an offer every month or two.

To stop receiving junk mail from your banks and credit cards, you will need to opt-out of any mail offers at each individual company website. Each organization should send you an annual privacy notice that includes a section of what information they share with others. The pamphlet will even include a website you can visit and tell you which information you want to remain private.

Usually, you can opt-out of third-party sharing, but, you cannot opt-out of internal offers. For example, we receive life insurance offers from our banks every single month.


My wife and I permanently unenrolled from preselected credit card offers about a year ago. Our mailman still has a job and the credit card companies are still in business. Not receiving credit card offers is one less nuisance and one more step to save money each month.

Josh founded Money Buffalo in 2015 to help people get out of debt and make smart financial decisions. He is currently a full-time personal finance writer with work featured in Forbes Advisor, Fox Business, and Credible.