How to put an end to credit card junk mail

Thursday, January 25th, 2007
Categorized as: Savings Bond community

You can put an end to the junk mail credit card offers you receive at, a site set up by the credit reporting industry.

What you are opting out of is pre-screening – allowing credit card companies to go fishing through millions of credit records, including yours, looking for candidates for “pre-approved” credit card offers. Vitrually all credit card junk mail involves pre-approved offers.

The online opt-out lasts for five years. There’s also a permanent opt-out feature, but that requires downloading a paper form, signing it, and sending it in.

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FDIC Insured Certificates of Deposit can pay 1 or 2% more than savings bonds when held for a similar length of time. See top CD Rates Below:


On January 29th, 2007 Mario said:

Here’s another fun thing to do. (I’ve gotten this idea from elsewhere, tried it and it and had lots of fun.)

Take all your credit card junk mail, switch the reply envelopes and application forms of the different companies, and send the application of one CC issuer to another CC issuer. Cross out the application and write in bold letters, “next time save a tree.”

I’m sure if enough of us do this, the cost of them processing their own junk will cause them to reconsider their business model.

On March 18th, 2009 Michelle said:

How can I find out about a savings bond that was given to me in 1962 and not returned to my person as an adult?

On March 19th, 2009 Tom Adams said:

Michelle – see these posts for the answer to your question.

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June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

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