I heard a news story about this in my hometown but I didn't get a chance to actually watch the story to see how to get rid of credit card mailings. Everyday when I come home to check the mail..there are pesty mailings from credit card companies. I don't have a credit card and will never get another one.|||You can call 1-800-Optout and it places a block on your information so that these companies can't send you that information.|||post office business is mailing|||At the bottom of most of the offers, there is a phone number you can call. You do have to enter your social security number and address, but your name/credit info will not be available for companies to access and then offer you lines of credit. I tried it about a month ago, and I have stopped receiving those pesky offers!|||Go here to opt out...Credit card companies get your information from the Credit Bureaus every 6 months or so.
https://www.optoutprescreen.com/?rf=t|||Well, I guess you don't have a choice but to just IGNORE them... or if they're really too much.. sending over and over again, you could call their customer service and ask for your name to be pulled out of the list... ;)
Paula
BDO
Global Sky Inc
www.global-sky.com|||I am not sure, but I do believe if you contact the post office they can stop sending some of the junk mail, I am not sure what all they can stop sending, but I know there is quite a bit. If you call you will also be helping out the postal worker who has to go through all the crap and put it into your little slot before sending it to you.|||Somewhere in those mailings there is a small disclaimer at the bottom or on the back where you can "opt out" and stop receiving them. Follow the directions, it will ask you to call or write.|||The Postal Service has no choice,they HAVE to deliver them;it's all about $$$|||I do this with all junk mail. Send them back their stuff in the postage paid envelope they send without filling anything out. My junk mail is few and far between now.|||The major credit agencies all sell aggregate credit information any bidder. Direct mail and credit companies generate mail based on demographics including zip code, income band and credit payment patterns. Stopping this is easy, you just need your address, former address within two years, and social security number. One call does it all for agencies Equifax, Trans Union, Experian and Innovis. Dial 1-888-5 OPT OUT (or 1-888-567-8688) 24 hours a day.|||take the return portion from each and put them in the post marked return envelopes from different companies and send them your other junk mail back with a little love note saying thanks but no thanks, when I need a credit card I will contact YOU not the other way around!|||go to www.optoutprescreen.com and opt out of credit offers for 5 years. It will raise your scores a little too!
you might like www.LearnAboutCredit.com, which is one of my sites|||Thank you very much for asking this question. Sometimes I wonder if our society has forgotten that we are human beings. It seems that society views us only as a potential source of money. Cable, dish, high speed internet, credit card and refinance letters are the worst.
I get so much junk that I can't deal with the normal mail. I have a two or three year backlog. There is rarely ever anything good in my mailbox. It is all bills and junk. I had to put all the bills on autopay because I don't have time to even sort the mail.
Somehow we've been forced with the responsibility of constantly having to clean out a box of junk and we never agreed to do it. It is very intrusive having to take this unwanted junk into our homes.
The answers you've received are great. I had found solutions to the front door and the phone, but not the mail.
The no-call list works well and I just leave my phone connected to the Internet to duck the non-profit calls and the political campaign calls. Friends and family call on my cell phone.
For strangers at the front door, I have a sign that says, no solicitation, we buy nothing and we do not open the door for strangers. There is nothing to benefit the homeowner by opening the front door. Statistically it is rare to get greatly harmed in this way, but one woman was raped by a supposed student selling magazine subscriptions.
To a lesser extent, commercials are also a problem. I'm fairly confident that the food ones are adversely affecting the health of Americans and landing us with huge financial and health care burdens. My library purchases DVDs of all popular television shows and movies and that provides my family with enough entertainment.|||Call a 1800 number to ask to be removed from mailing lists
Thursday, December 15, 2011
What is the difference between CLOSING and CANCELLING a credit card account?
I know that no one should ever cancel a credit card, so I knew when getting my first one it was important decision because I would have it forever basically. So what exactly does it mean to CLOSE an account?? How is this better than cancelling a credit card?
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
And, what is the difference between formally closing an account or just having a zero balance and shreading it??
Thank you in advance for your clarification!|||It is not true that you should never cancel a card or close an account. However, it is important to have an old one that is open, so you should only close or cancel one if you have another old one.
If you have a zero balance and shred the card, but do not formally close the account, then the account remains open on the books of the bank. This means that any annual fee continues to be charged and that the account continues to be reported to credit reporting agencies. Also, if you ever want to resume using the account, you can have a new card sent without reapplying.|||Why shouldn't you cancel a credit card? That is the first thing I would do if my purse was stolen or I had lost my card. Although my card has been cancelled, the account is still open at the bank unless I choose to close it.|||If an account is closed, then you can't charge anything on it again.
If it simply has zero balance, then you (or an identity thief) can run up a balance.
Do I have to have a credit card to access the Xbox Live Marketplace?
I am planning on purchasing an Xbox 360 soon and want to be able to access the Xbox Live Marketplace. I bough Bullet Witch and want to download the free special features only available through Xbox Live. I don't even know if the content is still available for downloading, but I want to know if I have to use my credit card in order the access the marketplace at all. I don't plan on purchasing anything through it.|||Only need a silver subscription for looking or downloading free online. You would use a credit card or Live Points Card for purchases, and you would need a gold membership only for online play. I love the Xbox for the free content.
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
IMPO the gold membership is well worth it for online play, but I really think Microsoft hoses you for the purchasable content. That's one advantage I give to Wii and its VC games.|||No,
as long as your gold and the content is "free" then it really is free.
I just looked and I didnt see any Bullet WItch content ?
Also, you can use pre-paid MS point cards vs. your credit card|||there are some websites where you can get free points and stuff so you don't need a credit card.
www.free-4-u.co.uk has the information about it|||Put simply, no. You just need a silver subscription (free)
What are the best rates for credit card payment protection policies?
What are the best rates for credit card payment protection policies? And which companies do you recommend to take a look at for stand alone policies?|||Don't waste your money on some credit card protection policy.
How can i get my credit score if i do not have a credit card?
i want to know my credit score but do not currently have a credit card, and all the sites require one.|||Your credit score or credit report. I just had issues with someone who didn't know what they were talking about. Your credit score cannot be had for free. Your credit report, however, is available at the sites named by others.|||freecreditreport and annualcreditreport do not provide scores for free, only histories.
You should contact Experion, TransUnion, etc. direclty via the telephone and inquire.|||have you tried this one..i don't think it requires one..www.annualcreditreport.com
You should contact Experion, TransUnion, etc. direclty via the telephone and inquire.|||have you tried this one..i don't think it requires one..www.annualcreditreport.com
Do I pay off my credit card or pay down my unsecured personal line of credit?
I have both an unsecured personal line of credit and a credit card with basically the same interest rate. My credit card utilization is at 30% while I have utilized 87% of my line of credit. If I want to improve my credit score the quickest, do I focus on paying off my credit card or focus on paying my line of credit down to 30%?|||When stan c claims to be a 'Retired bill collector for 35 years', he must mean he retired 35 years ago. There is NO WAY your credit score is over 800. It is also impossible to reasonably estimate your credit score without MUCH more information than you provide.
For all practical purposes, INCLUDING your credit score, a credit card IS an unsecured personal line of credit. Therefore it makes absolutely no difference which you pay first.|||skip the credit score and think practical dollars and sense.
unless you've stopped buying things, COMPLETELY STOPPED, on the credit card, you get charged interest on every purchase as long as you're carrying a balance. pay that off and keep it paid off to avoid paying interest. this saves actual cash -- your credit score will catchup later.|||A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. If you have 24 months activity on both, your credit score should be between 749 to 840.|||Payoff the one that has the higher interest rate first.
For all practical purposes, INCLUDING your credit score, a credit card IS an unsecured personal line of credit. Therefore it makes absolutely no difference which you pay first.|||skip the credit score and think practical dollars and sense.
unless you've stopped buying things, COMPLETELY STOPPED, on the credit card, you get charged interest on every purchase as long as you're carrying a balance. pay that off and keep it paid off to avoid paying interest. this saves actual cash -- your credit score will catchup later.|||A credit score is based on a 12 month activity. It usually goes up between 5 to 10% per month. If you have 24 months activity on both, your credit score should be between 749 to 840.|||Payoff the one that has the higher interest rate first.
What are the percentage of Americans that have Credit card debt?
I have no credit card debt. I am starting to realize that I am in the minority. (I do have student loan debt). As far as credit card debt, I appear to be in the minority. In your opinion, How many Americans have credit card debt?|||Too many people have credit debt. Trust me, you are in a good place. Don't fall into the trap with us. It's not fun unless you only have one and it's for $500. Credit card debt can eat your paycheck for years and years to come if you are not careful.|||According to AmericanDebtAdvisor, 80% if you include secured loans like homes and cars. If it is only credit card debt, it is around 50%.
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