Credit Card Opt-Out Program by:James Johnson

Credit Card Opt-Out Program by:James Johnson

Are you one of millions of Americans who have walked to their mailbox, opened it up, and realized it was once again packed full of "Your Approved" notices from Credit Card Agencies. For years Visa, Mastercard, American Express, and Discover cards have been sending out instant card approvals as a way to attract new clientele. Recently laws have been put into place that disallow the actual sending of a credit card to general mailboxes, for concern that the cards could easily be stolen by crooks looking for an easy target.

Unfortunately even with new laws, instant approvals, aside from being annoying, can still give identity crooks a good understanding of your credit history. If a crook sees a pre-approval they may "dumpster dive" that is check your garbage for more personalized information, since they know you must have at least decent credit to get pre-approved.

So what can you do about this issue? Luckily there is an answer. The Credit Card Opt-Out program is doing for credit card consumers what the "do-not-call" list did for telephone users. By opting out of receiving credit offers you not only insure no more offers are sent to your home. but according to you also insure that no more telemarketers are calling your home with more "pre-approvals." The offer which extends to Visa, Mastercard, American Express, and Discover cards, as well as all "Shopper and Merchant" cards is good for several years, at which point you can opt back into the program, insuring complete control of your personal information.

Just keep in mind that opting into the program you will not receive any credit offers until the time period has expired, which of course with the advent of the internet isn't that big of a deal, as many firms now exist online to help you discover the cards you want that best fit your lifestyle.

So Opt-in now and it could be your way of opt-ing out of problems in the future.

TO OPT-OUT go to you can Opt-Out for 5 years, and Opt-back in at any time.Credit Card Opt-Out Program by:James Johnson

Good Luck.

About the author

James Johnson runs and has worked in the industry for several years. He is available for questions at

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