Stop Junk Mail: Credit Card Offers
Credit card and loan offers are mailed by banks, retailers, and lenders using your credit report to prescreen you. You can stop them two ways: opt out of prescreening entirely through the credit bureaus, or ask each named sender to stop mailing you directly.
100,000+ senders tracked in the app
Popular credit card offer mailers
Citi
157,495+ requests
Capital One
149,245+ requests
American Express
138,602+ requests
Discover
107,212+ requests
Chase
98,657+ requests
GEICO
64,831+ requests
Bank of America
55,114+ requests
American Airlines Advantage
32,105+ requests
Wells Fargo
20,662+ requests
United Mileage Plus
19,367+ requests
Allstate
17,348+ requests
Farmers Insurance
16,828+ requests
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Two ways to stop them
Track A
Stop all prescreened offers at once
Under federal law, you can opt out of prescreened credit and insurance offers from all four major credit bureaus at once, free, for 5 years or permanently.
1-888-567-8688
OptOutPrescreen.com →PaperKarma does this for you
We do the work for you — no forms, no calls, no emails. Click below and we submit your free opt-out.
Opt Out of Credit & Insurance Offers NowTrack B
Stop individual senders
Prescreening opt-outs won't stop mail from lenders you already do business with, or ones outside the bureaus' scope. That's this directory's job — help you find sender opt-out info so you can Do-It-Yourself.
Search the directory →PaperKarma does this for you
Skip the search — snap a photo and we identify and contact the sender directly, on your behalf.
Get the Free AppWhat opting out won't stop
Neither Track A nor B reaches a bank you already do business with - account relationship mail, not a marketing list.
PaperKarma is the only option that can remove you from your bank's non-credit marketing list.
Statements & transactions
Not marketing — keeps coming as long as the account is open.
Preemptive marketing
PaperKarma onlyBalance-transfer checks, upsell offers — neither Track A nor B stops these. PaperKarma requests removal directly with the bank.
Don't see your sender?
We add new senders to this directory every day, sourced from what people scan in the app.
Snap a photo of the mail piece in the app
We track down that sender's real opt-out
It's added here for everyone else, too
Why am I getting these offers?
Banks and lenders buy prescreened lists from the credit bureaus, which flag people who meet their credit criteria for a specific card or loan - that's the mechanism behind nearly every "you're pre-approved" envelope. Read our full guide to stopping junk mail for how list brokers and prescreening fit into the bigger picture.
Select Credit Card Offer Mailers
Frequently asked questions
What can you actually stop - and what can't you?
We file an opt-out request directly with every named credit card and loan sender on this page. What we can't stop: unaddressed "Postal Customer" credit flyers and circulars - no mailing list exists to remove you from, because none was used to send them.
What counts as a credit card offer?
Any mailed offer for a credit card, personal loan, or line of credit - including "pre-approved" or "prescreened" offers sent by banks, retailers, and lenders using information from your credit report.
Is it free to stop credit card offers?
Yes. Opting out of prescreening through OptOutPrescreen.com is free and run by the major credit bureaus. Contacting individual senders directly is also free. PaperKarma is a paid app for people who'd rather not do either themselves.
Does opting out of prescreening stop all credit mail?
No. It stops offers based on your credit report, but not mail from your own bank or card issuer marketing you as an existing customer - including balance-transfer checks, which you'll need to opt out of separately with each lender.
How long until credit card offers stop coming?
Most people see prescreened offers drop off within 8-12 weeks, since offers already printed and scheduled can't be recalled.
What's the difference between a 5-year and permanent opt-out?
OptOutPrescreen.com lets you choose either - a 5-year opt-out that needs renewing, or a permanent opt-out confirmed by mailed signature. Both are free.
Can I stop offers from a card I already have?
Prescreening opt-outs don't cover marketing from lenders you already do business with. Call the number on your statement, or use PaperKarma, to opt out of that mail specifically.
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