How to Opt Out of Credit Card Offers

Stack of credit cards.
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Stopping credit card offers can reduce the clutter in your mailbox, shrink the size of your spam folder and end those annoying phone calls. It can also help you prevent people from running up debt in your name and other forms of identity theft. The methods you have to opt out of credit card offers depends on whether you're a current customer or were "selected" based on your credit report.

Through the Credit Bureaus

Go to to halt the prescreened offers. The four major credit reporting agencies -- Equifax, Experian, Innovis and TransUnion -- collect and process opt-out requests. If you want a five-year hiatus, you can call or submit your request through the site. To permanently stop the offers, download and print the Permanent Opt-Out Election form and mail it to the address provided. You also can write each of the credit reporting agencies to request that the offers cease.

Contacting Direct Marketers

Enroll in the Direct Marketing Association's DMAchoice service through Through DMAchoice, you can choose to have mail stopped by all companies, including credit card issuers, registered with the the Direct Marketing Association. Through the Telephone Preference Service, you can have your name removed from the telemarketing list generated by the association's members.

National Call-Blocking

Put your landline and mobile phone numbers on the National Do-Not-Call Registry by going to and selecting "Register a Phone Number." You can register up to three phone numbers with your email address. When you do, the credit card companies or their telemarketers must stop calling you within 31 days. To sign up by phone, you must call from the phone number you want listed on the registry. If the offers keep coming, file a complaint by going to and clicking on "Submit a Complaint."

Ask the Company Directly

Registration of your number won't stop calls from companies with whom you've done business in the last 18 months. Also, doesn't stop communications if you're a current customer. You'll have to contact those companies directly to eliminate further offers.

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