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[O302]Opt Out Credit Cards

by Alan Bernstein, Ala

Irritated by too much credit card solicitation? Been receiving too much junk mail and too many unsolicited phone calls? This is a common scenario faced by many Americans. In fact, a recent research conducted by the Federal Trade Commission indicated that as many as 25 million adults in the country are victims of fraud.

Nevertheless, there are several approaches that you can take to prevent yourself from being a victim. Realizing the plight of many Americans, the Federal Trade Commission has set up the National No-Call Registry to allow consumers to register with them if they do not want to receive any solicitation over the phone. All consumers need to do is to complete an online form available at http://www.donotcall.gov. Once your name is in the registry, any company that utilizes telemarketing for solicitation will not be allowed to call you. This will be enforced within 31 days after you have registered.

If you are also receiving lots of junk mail with pre-approved credit through your mailbox, there are a few ways to put a stop to these relentless direct mailers. One of it is to visit http://OptOutPreScreen.com, an official website belonging to the Consumer Credit Reporting Industry developed to help the public opt out from credit card or insurance offers. By registering here, you will be provided with the option to be opted out from any direct mailing offers either for the next 5 years or even permanently. Conversely, there is even an option for consumers to be opted in for direct mailing offers.

There are also 3 credit bureaus that you can get in touch with to get yourself opted out. They are: Equifax Opt Out, TransUnion Opt Out and Experian Opt Out. All you need to do is to write to these 3 credit bureaus notifying them of your preference not to have your personal information shared out for promotional purposes. Once the process is complete, your name will be opted out for the next 2 years.

Finally, you can also write to the Direct Marketing Association and inform them that you wish to be opted out from any direct marketing promotions. All you need to do is to provide them with your personal information so that they can remove the right name from their list. All in all, opting out of mailing lists may require some effort from your part, but it will all be worth it once you stop receiving calls from telemarketers and junk mail in your mailbox

The holidays can be a very financially stressful time. We all know Christmas is not about the gifts or how much money we spend, but it’s hard not to buy those perfect gifts for our loved ones even if we really can’t afford it. In some cases, credit cards can be great especially around the holidays; it means even though we currently don’t have the money, it won’t stop us from being able to get those gifts. But now the holidays are over and you’re looking at your credit card statements saying, did I really spend that much?

Instead of putting your head under a pillow and avoiding the whole subject, why not take this time to start learning about your finances, your financial situation and your credit cards. Lets make it a News Years resolution to get your finances under control. Repeat after me, “This year I will take control of my finances; I will no longer allow my credit cards to control me."

Start by making a list of all your credit cards, if you have more then one. Get out your credit card statements, and write down the balances and the percentage of interest that is charged on purchases and cash advances. Many people forget that credit card companies tend to charge more interest on those cash advances as well as withdrawal fee. These charges can add up quickly, so if you have to take out a cash advance from your credit card know which card is best to use will not only save you money but will also remind you that you are taking control. Remember that your finances and money is just a game and once you know the rules, you will become a much better player.

Now that you have your list see if it is possible to transfer any balances over to a lower interest rate credit card. If it is, go do that right now, the sooner you do, the more money you will save. You want to start paying more off on the highest interest rate credit cards first, just pay the minimum on the other ones.

If you do have a few credit cards with balances, another option is to see about getting a consolidation loan. Consolidation loans normally come with much lower interest rates and you save banking fees as you only have one payment to make.

The hardest part for most people when it comes to their finances is admitting that they will never have control if they don’t start educating themselves. Many of us tend to be avoiders when it comes to money and unfortunately, most things only get worse, when we avoid them. Finances, credit cards, banks, loans all these things really are not that complicated when we site down and take the time to learn. Try scheduling thirty minutes three or four times a week to read and learn about your finances. Once the thirty minutes is done give yourself a reward, and congratulate yourself on moving closer to your financial freedom.

Article Source : How To Make Free Cards

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Both Alan Bernstein & Cassandra Stinchcombe are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Alan Bernstein has sinced written about articles on various topics from Credit Cards, Free Credit Report Score and Credit Cards. . Alan Bernstein's top article generates over 6600 views. to your Favourites.

Cassandra Stinchcombe has sinced written about articles on various topics from Computers and The Internet, Credit Cards. Cassandra Stinchcombe – Take control of your finances; learn about how your credit cards can work for you instead of against you. Visit