Thursday, August 12, 2010

Dear Credit Card Companies,

Dear American Express,

I appreciate your recent letter informing me that I have the chance to win $1,000,000.00. Trust me, I would LOVE to win. However, I can't help but feel like this is a scam to force a magazine subscription upon me. Which brings me to the point of this letter: I am already an American Express cardholder, why must you inundate me with junk mail?

Credit card companies grace my mailbox with junk mail far more than any other industry. I get more offers from credit card companies than I can shake a stick at, but it is a bit disheartening to be getting such offers from you since I already have a card.

I expect these things from Chase or Discover because I don't use their cards, but from you? Too far... too far.

Please reconsider your use of funds and leave your customers alone. If you really have great offers that I may be interested in, you could have a special section on my account management page of your website. Then I can check it at my convenience... and maybe I would actually look at the offers rather than just shred them.


To: Chevron/Texaco Credit Card Division
Attn: Maya Pendleton

Dear Maya,

I received the following in a recent credit card offer:
Maya, I feel it may be too soon for us to be "friends". In fact, I feel like - at this point - we may actually be frienemies at best. On the one hand, you are probably a nice person and just doing your job, but on the other had, you sent me junk mail.

In any case, frankly, I'm puzzled that you're puzzled that I would say "no" to this offer. Really? You are puzzled? Because you gave me no compelling reason to say "yes". Consumer debt is a serious problem in America, why would I want another means of accruing such debt. Do I get points? Does a percentage of my purchases go to fund orphanages in a 3rd world country? What is the benefit to getting this card?

Also, why did you start assuming that I would say "no"? Why not start with the assumption that I would at least consider saying "yes"? Wouldn't this be better:
Dear You,

I am grateful that you are considering accepting this fantastic offer. You will not be disappointed.

You have nothing* to lose! Not only are you already pre-qualified, but there is no annual fee and you can use your Chevron and Texaco Credit Card at more than 8,000 participating Chevron and Texaco locations across the U.S.

More importantly, each time you use your Chevron and Texaco Credit Card at select locations**, Chevron and Texaco will donate a percentage*** of the sale to research and development of cleaner, renewable fuel.

Don't delay. You have nothing to lose and everything to gain!


*- The phrase "nothing to lose" does not include money or credit rating.
**- 14 qualifying locations (6 in North Dakota, 5 in Montana, 2 in Wyoming, and 1 in Northern Alaska)
***- .001% of sale will be donated

In any case, I shreded (what is the past tense of shred? Shrad? Shreded?) your offer. I'm sorry you put me in a position where I felt the need to do that. Also, I will not be accepting any future offers. If the time comes where I feel your service would be of value, I'll contact you.


1 comment:

  1. The national credit bureaus offer a toll-free number that enables consumers to opt-out of all pre-approved credit offers with just one phone call. Call 1-888-5-OPTOUT (1-888-567-8688) for more information.

    Here is some more opt out info: