For years I’ve opened up my mailbox only to find credit card offers. No more. Today, I’m opening up my mailbox to find PerkStreet perks!

How did I do that? Well, I opted out of prescreened credit card offers! And if you want to, you can do the same.

Why You Should Opt Out

The majority of the prescreened offers I received in the mailbox were for credit cards from companies like Capital One and Chase, most of them promoting cash-back credit cards, none with rates as good as I make with my PerkStreet debit card.

If you’ve ever been late on a credit card payment or paid the minimum amount, you would be wise to opt out of prescreened offers. These will only get you into debt.

You should opt out of prescreened offers if you ever were late on a credit card payment or paid the minimum amount. These things will put you into debt, and you’ll end up paying interest!

How To Opt Out

It’s really easy to prevent credit card offers from arriving in your mailbox. You can opt out for five years by calling the following toll-free phone number:

You can also opt out for five years by going to the following website:

Editor’s Note: If you’re interested in learning how this site came about or if you’d like to verify its legitimacy, please see the Federal Trade Commission (FTC) website for more details.

Although some offers may still arrive at your mailbox, I can tell you from experience that I haven’t received a credit card offer in two years since calling to opt out.

Best of all? Opting out of these offers is completely free. There’s no reason not to: call or visit the site today and break the habit of credit!

Do you still receive credit card offers in the mail? Do you think there are reasons not to opt-out of these offers? Start a thread in our comments section below.

John Frainee is a Customer Columnist here at PerkStreet, and the webmaster and a writer for the ever-growing blog, The Christian Dollar. John enjoys exploring how faith and finance interact, spending time with his wife and family, and meeting readers from all over the web. He has a Bachelor of Science degree in Bible and Christian Counseling and loves encouraging others in their financial pursuits. You can also find him on Facebook and Twitter.

Photo: uzvards