Fun ways to stick it to the CC companies

[cbmeeks]

1) Take all those CC offers, shred everything except the return envelope (with the pre-paid postage) and stuff the shredded paper into it and mail it back.
That way, they get to pay for the postage of useless paper (unless they are smart and recycle)

2) When closing a CC and they ask you why (they always do), tell them you are switching to another CC company because you like their commercials better...

3) Go to their website and have them mail you CC offers. But on the address, use their corporate mailing address. Maybe their computers won't catch the addresses are the same. Oh, be sure to change "Street" to "ST" or vice-versa to change it a little bit. Oh, and be sure to use funny names like: "Ihate Credit, Jr." or "Youpeople Suckbigones"

4) Call their 800 numbers and tell them you are interested in joining. Tell them you need to grab a piece of paper and keep them on hold. Never return. Be sure to do this from multiple phone lines.

5) When sending in your very last payment, be sure to enclose a picture of you mooning them. Nudity works better but might get you in trouble.

6) When mailing in your last payment, include a photo of you holding a competing CC (even if it's not valid) and indicate that you prefer a "Real Man's Card"

7) Locate some sulfer rocks at a novelty store (or online). Crush into a powder and put into each envelope with your payment. That way, they can get a nice little smell of what you think of them. (This one might be dangerous in these anti-terrorist days)

8) If you're really childish (like me), flick a booger on your check each month. With any luck, it might actually jam their processing machines or at least gross someone out.

9) Take the pre-paid envelopes for CC offers and stuff them with some nasty stuff. I mean nasty. Use your imagination. Just be sure to never touch the envelope and leave fingerprints. Also, mail from a mailbox. Not your house. Don't use anything that will land you on CNN.....lol

10) When you are mailing extra payments in each month, include a picture of Dave Ramsey and a note that says "He told me to send in extra payments."

[shengmei]

That's really funny.

I personally stick it to them by never getting a credit card.

[Ima saver]

You are funny! Iuse to mail them back all the time, empty! Now I have just decided to take advantage of them giving me 1% to use them and paying them off each month. I did just get one at 0% and I am going to charge some medical bills the next two months while keeping my money in the bank earning interest!

[cbmeeks]

my ways bring more of a laugh. :-P

lol

cbmeeks

[Ima saver]

ok, i will start mailing them back, but no boogers!!!

[shengmei]

I am not so sure that is such a good idea.

First of all, the envelopes are reusable.

Second of all, credit card companies were responsible for the postage rate increase last year (2 cents per mail I believe). The more mail generated by credit card companies that is handled by USPS, the more they lose money and they add the cost to the regular people who don't own businesses.

[cbmeeks]

Originally Posted by shengmei

Second of all, credit card companies were responsible for the postage rate increase last year (2 cents per mail I believe). The more mail generated by credit card companies that is handled by USPS, the more they lose money and they add the cost to the regular people who don't own businesses.

well, my original post was more of a lark than anything else. I didn't expect to be taken seriously. :-)

However, correct me if I am wrong, but if the CC companies mailed out more mail, that is more profit to the USPS? (who is $2bn in debt).

Granted, the more the CC companies mail, the more they charge their customers...but, that doesn't hurt me because I am about to be CC-debt free. :-)

Maybe one day, when CC companies are charging 57%, giving back 3% in "rewards", and changing laws to help them get richer, Americans will wake up and say no more.

I know I did.

cbmeeks

[boefixepa]

Funny to read yes...

However to do...a bit like an adult acting like a teenager....my opinion

Think of it this way....the only people who will actually see/read them are just the people opening them, probably in a dead in job, that would really not care.

You arn't going to 'teach a lesson' doing any of those things....even though the mental image is a bit funny.

[shengmei]

I am not sure where I read this, but I read it somewhere that with all the businessbulk rates, discounts, and rebates that business bulk mail actually costs USPS money.

Of course, I could be an idiot and not know what I am talking about.

[PRICEPLUS]

Given the way the Post Office is run they are probably losing money!

Shengmei, you are NOT an idiot by any stretch of the imagination!

[zakity]

We pay our credit card off each month. I get points for every dollar we spend. I use those points to get gift cards for Home Depot (for house repairs) or a restaurant (get to go out to dinner for free!!).

[eisor]

#9 - Actually, some offers have a barcode on the envelope that correspond the barcode on the application. So, they'll be able to see who sent it back.

Also, you can remove yourself from the list. My parents and I have done it and we FINALLY don't receive offers anymore. I was getting at least 5 a week. My sister still gets bunches. I haven't taken the time to help her get off the list.

[Fern]

Originally Posted by cbmeeks

1) . Tell them you need to grab a piece of paper and keep them on hold. Never return. Be sure to do this from multiple phone lines.

I like to use this technique when telemarketers come a calling.

[slimcustomer]

Wow. I sense a lot of pent up hostility in the orginal post. Perhaps, if this anger was used constructively early on, you might have a different view of the advantages that credit card companies provide.

I used to send them back and draw a pic of a shark on the envelope. It had little beady eyes and very sharp teeth.
I shred them now and toss them away.