Poll

What do you do with the junk mail credit card junk offers you receive?

I am blessed, I don't get them.
1 (4.2%)
I throw them in the trash.
10 (41.7%)
I make the credit card companies pay by using the included postage-free envelope to send their trash back to where it belongs.
5 (20.8%)
I do option three sometimes.
2 (8.3%)
I wish I had been costing the credit card companies money by sending their junk mail back.  I must repent and turn from my evil ways.
6 (25%)

Total Members Voted: 23


Author Topic: Credit Card Offers  (Read 4163 times)

Rastus

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Credit Card Offers
« on: May 23, 2008, 07:08:54 PM »
OK...it said anything for a topic in the Downrange Cafe'...so here you go.  What do you do with the stinking junk mail credit card offers?  I tear up the contents, put those contents in the self-addressed postage free envelope they are kind enough to include and send their trash back to them.  Sometimes I write "Please Recycle" on the back.....but only because I'm a sensitive, caring and eco-responsible guy.

What you may not have known is that there are lots of extra charges imposed by the U.S. Post Office for that guaranteed postage without an actual stamp.  The actual cost on the guaranteed return postage, labor, etc...is around $2.00 a response.  Besides, it may help to subsidize lower mailing cost for real mail.  My time is at least as valuable as $2.00 a letter....how about yours?
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Jim Urban

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Re: Credit Card Offers
« Reply #1 on: May 23, 2008, 07:48:17 PM »
I mailed their crap back to them so many times,they eventually stopped mailing me offers.
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wisconsin

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Re: Credit Card Offers
« Reply #2 on: May 23, 2008, 10:52:57 PM »
I tried return to sender but that didn't work I will now send thier crap back with thier envelope. Thanks for the idea
" I won't be wronged, I won't be insulted, and I won't be laid a hand on. I don't do these things to other people, and I require the same from them."   John Wayne

TAB

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Re: Credit Card Offers
« Reply #3 on: May 23, 2008, 11:00:55 PM »
I don't even open them... I just shread them
I always break all the clay pigeons,  some times its even with lead.

gunman1911

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Re: Credit Card Offers
« Reply #4 on: May 24, 2008, 12:55:28 AM »
I filled out their questonare and sent it in so they would have to spend the money to find out my bad credit score and they all quit sending me thier junk. That was 7 years ago. ;D
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Re: Credit Card Offers
« Reply #5 on: Today at 10:52:45 AM »

DDMac

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Re: Credit Card Offers
« Reply #5 on: May 24, 2008, 08:11:14 AM »
Save them until I have several brick sized bundles, then convert them to BTUs in the shop woodstove.
Mac.
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TexGun

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Re: Credit Card Offers
« Reply #6 on: May 24, 2008, 11:15:20 AM »
My bank is heavy in the credit card business, but we DO NOT mass mail that crap.  Any credit card company that is still doing mass mailings (Capital One, Citi...) is simply wasting their money.  Statistically, response rates are now less than 0.5%!  The industry used to consider 2%-3% a highly sucessful promotion, still pretty thin in my opinion.  The game for those guys is...open new accounts faster than you can write off the bad ones.

And we wonder why the economy is in the shape it is in. ::)

Rastus

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Re: Credit Card Offers
« Reply #7 on: May 25, 2008, 04:48:25 AM »
My bank is heavy in the credit card business, but we DO NOT mass mail that crap.  Any credit card company that is still doing mass mailings (Capital One, Citi...) is simply wasting their money.  Statistically, response rates are now less than 0.5%!  The industry used to consider 2%-3% a highly sucessful promotion, still pretty thin in my opinion.  The game for those guys is...open new accounts faster than you can write off the bad ones.

And we wonder why the economy is in the shape it is in. ::)

Yeah...but 0.5% isn't bad when they charge 25%+ interest.  They make it up with charges and fees on the suckers.  Which...really tics me off they would send that crap to dimwits...those guys are real predators who need to be taken outside of town....

Necessity is the plea for every infringement of human freedom.
It is the argument of tyrants; it is the creed of slaves.
-William Pitt, British Prime-Minister (1759-1806)
                                                                                                                               Avoid subjugation, join the NRA!

tombogan03884

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Re: Credit Card Offers
« Reply #8 on: May 25, 2008, 09:21:51 AM »
Yeah...but 0.5% isn't bad when they charge 25%+ interest.  They make it up with charges and fees on the suckers.  Which...really tics me off they would send that crap to dimwits...those guys are real predators who need to be taken outside of town....

And they can raise your interest rate if you are late on ANOTHER bill. I saw a show once about Credit card contracts, A woman was saying that she could not make sense of her contract and she had been TEACHING contract law for 25 years, the contracts are written with the intent to deceive the consumer.  Loan sharks envy credit card companies.

rojawe

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Re: Credit Card Offers
« Reply #9 on: May 25, 2008, 09:37:24 AM »
Just shred them and go on with my life ;D
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