Comments on: What do you do with your credit card offer?

By: Pacific

Pacific — Fri, 29 Jan 2010 18:34:37 +0000

If there is a pre-paid return envelope, I put something in it and send it back.

By: This and That: Getting rich off Rich Dad, “teaser” interest rates and more… | Canadian Capitalist

Fri, 29 Jan 2010 01:22:52 +0000

[...] Thicken My Wallet has a valuable tip: make sure you shred all your personalized junk mail such as credit card offers. [...]

By: Veronica

Veronica — Mon, 25 Jan 2010 13:56:13 +0000

Re: sending back the postage-paid envelope — why not tape it to a brick and send it back? That will cost them more than 50 cents.

By: MoneyEnergy

MoneyEnergy — Sun, 24 Jan 2010 23:36:08 +0000

Good additional points about how it communicates information to strangers. Here in the U.S., reps at Citibank didn’t believe me when I tried to tell them that – I’m getting card offers on a weekly basis and it really irks me for environmental reasons, too. I rip them up right away and am bothered by the fact that they put your name into the letter, etc. so you have to look through it to make sure you’re ripping it all up.

I like Patrick’s suggestion, above, too.

By: admin

admin — Sat, 23 Jan 2010 22:45:38 +0000

Thanks for all your good suggestions to reduce junk mail.

By: Patrick

Patrick — Sat, 23 Jan 2010 18:39:55 +0000

One tactic to consider is “never waste a postage paid return envelope.” After you shred personal information, seal the envelope and place in the mail. Your additional cost is low (since you chose to shred the pre-approved offer anyway). This tactic is important since it shifts the economics of junk mail. The junk sender must now add costs for postage (back) and mail room operations to the break-even point on accepted applications. Note – this idea is not new, just passing on the meme.

By: len

len — Fri, 22 Jan 2010 18:52:09 +0000

I generally open the packet and tear it in half and return it in the self addressed envelope enclosed. I figure if they can pester me then let them pay for it,

By: Penguin

Penguin — Fri, 22 Jan 2010 17:24:09 +0000

Shred it all except for the reply envelope. Lick it and send it back empty, costing them 50 cents. Sometimes I include random coupons for them to enjoy. If we all did this, it would sure add up!

By: Bob Stewart

Bob Stewart — Fri, 22 Jan 2010 15:03:18 +0000

I send them all back in their postage paid envelope with a simple “No, thank you” note on the form. Hopefully if enough of us do that it will become too expensive for them to continue.

By: A Lap Of The Blogs : WhereDoesAllMyMoneyGo.com

A Lap Of The Blogs : WhereDoesAllMyMoneyGo.com — Fri, 22 Jan 2010 04:44:08 +0000

[...] Thicken My Wallet does what I do: when you get credit card offers in the mail, shred them before scrapping them. [...]