Getting Them to Stop

Dan asks how he can get credit card companies to stop sending him credit card offers. His wife continues to sign up for them, and he's now $40,000 in debt. Dave clarifies the kind of problem Dan has.

QUESTION: Dan in Kalamazoo asks how he can get credit card companies to stop sending him preapproved credit card offers. His wife continues to sign up for them, and he’s now $40,000 in debt. Dave clarifies the kind of problem he thinks Dan has.

ANSWER: I don’t think you have a junk mail problem. I think you have a wife problem. You can’t get them to stop sending them to you, but you can start by not signing up for them. The more you sign up, the more they’ll look at you and think you’ll keep using them.

You can do a couple of things. You can go to your credit bureau report and opt out on marketing offers. You can freeze your report. You can send requests to the companies to not send offers to you. The more magazines you subscribe to and stuff like that, the more mailing lists you get on and the more your box fills up with junk mail. But the biggest thing is to quit using them.

You will never get them to send you zero offers. I’m Dave Ramsey, and I have been telling people to not use credit cards for 20 years, and I still get offers. You’ll have to work on why your wife is doing this and learn how to work together as adults with a budget. She’s destroying both of your lives. She’s got to stop that.

You won’t do anything to get them to completely stop sending you offers. I don’t even think that’s your problem. Your problem is that you and your wife aren’t on the same page about money. She doesn’t feel like she’s got enough and resorts to this, or she resorts to this because she’s a spoiled brat.

I don’t know what her deal is, but you two will have to come up with some solutions that will cause her to stop doing this so you guys can win. That may mean you have to sit with a marriage counselor for a little while. By the way, there’s no big sin in that. Most of us who have been married for more than 20 minutes need some help.

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