Why Do I Get So Many Credit Card Offers in the Mail?

It may not feel like it as you stuff a new batch of junk mail into the “to shred” pile, but having a mailbox flooded with preapproved credit card offers can be a good sign.

Credit card issuers routinely send attractive card offers to consumers with good to excellent credit. Therefore, when you receive these types of offers in your mailbox, it usually means credit card issuers believe you to be a good credit risk and that they want to do business with you.

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In this article

    Why Card Issuers Mail Those Preapproved Offers

    If you receive preapproved offers in the mail, you’re certainly not alone. Credit card issuers are always hunting for new customers who meet their qualification criteria. Billions of promotional letters — a.k.a. preapproved offers of credit — are mailed out by credit card issuers every year.

    Why do card issuers mail so many preapproved offers of credit? Because it works. By prescreening applicants, card issuers can, for the most part, avoid advertising to people who are likely to be turned down for their product. The result is a much smarter, more cost-effective and targeted advertising campaign.

    How Prescreening Works

    Selling your data is the primary way the three credit bureaus make money. Credit reports are probably the most universally recognized “product” the credit bureaus sell. Yet, there are several other ways the credit bureaus can profit off the sale of your information.

    Prescreened lists are another revenue generator for the credit bureaus. So how does prescreening work? When a credit card issuer wishes to purchase a prescreened list of consumers for prospecting purposes, they begin by providing one of the credit bureaus with what’s called “selection criteria.” The card issuer might, for example, want to purchase a list of consumers (names and addresses) who meet requirements such as:

    • Residing in a specific state
    • Credit score of 720 or higher
    • No late payments on file in the past 24 months
    • No bankruptcy present on credit reports

    If your credit information matches the card issuer’s selection criteria, then a preapproved offer of credit may find its way into your mailbox in the not-so-distant future.

    Does Prescreening Hurt Your Credit Scores?

    That prescreening process does not harm your credit scores in any way. Yes, a portion of your credit information may be accessed during the prescreening process and, yes, a promotional inquiry may be posted on your credit reports.

    Such inquiries, however, are known as “soft inquiries.” They don’t have any impact on your credit scores. In fact, only you can see them… not any lenders, and not any credit scoring systems.

    How to Stop Promotional Inquiries

    Preapproved credit card offers might be a good sign that your credit is healthy — and they can even a source of juicy signup bonuses. But that doesn’t mean they’re welcome in your mailbox. Nobody loves junk mail.

    Even though prescreening doesn’t harm your credit scores, you have the right to prevent your credit information from being accessed for prospecting purposes. Whether you don’t like the idea of credit card issuers (or others) being able to access your information without prior consent, or you simply hate junk mail piling up or the ecological waste it creates, you can put a stop to it.

    You can opt out of receiving future preapproved offers by visiting OptOutPrescreen.com. Fill out a simple form online and you can opt out for five years. You can also print and mail in a request if you wish to opt out permanently. If you ever change your mind, the same website will allow you to opt back in as well.

    There’s an additional benefit to opting out if you choose to do so: Fewer credit card offers in your mailbox means fewer credit card offers that can be stolen by fraudsters. And while opting out certainly won’t prevent you from being a victim of fraud, it will at least reduce your exposure.

    Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

    John Ulzheimer

    Contributing Writer

    John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times over the past decade in media outlets including the Wall Street Journal, NBC Nightly News, The Los Angeles Times, CNBC, and countless others. With professional experience at both Equifax and FICO, Ulzheimer is the only credit expert who actually comes from the credit industry. He has been an expert witness in over 230 credit related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit.