Your Money: Putting an end to credit card offers

Dave Ramsey: An inability to resist credit card offers indicates a problem with the individual, not the credit card junk mail.
BY DAVE RAMSEY, For The Oklahoman Published: February 17, 2014
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DEAR DAVE: How can I get credit card companies to stop sending us preapproved offers?

My wife continues to sign up for these, and now we have $40,000 in credit card debt.

— Dan

DEAR DAN: Chances are you'll never get credit card companies to stop sending stuff, but there a few things you can do that might help slow things down. Access your credit bureau report, and opt out of marketing offers. You can also freeze your credit report, and send direct requests to the credit card companies to take you off their mailing lists.

I've been telling people not to use credit cards for 20 years and, believe it or not, even I get offers in the mail. The more mailing lists you get on, the more your mailbox will fill up with junk mail.

If you have magazine subscriptions and things like that, your contact information is circulating all over the place.

The next thing I'm going to say may sound cruel, but I really don't mean it that way. You don't have a junk mail problem, Dan. You have a relationship problem. You two are not on the same page about money. Either she doesn't feel like you two have enough money, and she's resorting to credit cards for this reason, or she does this because she's a spoiled brat who thinks she should always have what she wants when she wants it.



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