An Ebbing in the Tide

A while back, I posted about my efforts to stop junk mail. In January even, I posted here about how I was still getting junk. And even though I can’t seem to win the fight against direct mailings for local businesses, the war is go well on other fronts.

In particular, the fight against credit card offers is going extremely well. In my first post on the subject, I provided a link to a site from the credit card offers themselves. This, perhaps in conjunction with other efforts, have actually resulted in a near complete stop of credit card solicitation.

I say “near complete stop” because the companies I already have credit cards with do occasionally send offers for different cards they represent, or sometimes offers to my wife if she isn’t listed on my card with them. While still undesirable, this is at least tolerable, since it is, at most, one a month in total. I will make an effort to stop this as well, but its no longer high on my list.

Some of the other junk does appear to have stopped. At least once a week I will go to the mailbox and find nothing there, sometimes even twice a week. And the days of my mailbox being jammed to overflowing with catalogs and coupons appear to be over.  To make further inroads against junk, I’ve signed up for GreenDimes, which has gotten very positive reviews from people I know in regards to how it helps stop mailers, especially those nasty “Resident” addressed ones.

All in all, I’m much happier not getting all that junk.  However, the United States Postal Service isn’t happy about it.  My brother forwarded me a link to a Washington Post article which in part is about how the USPS actually relies on the revenue generated by junk mail in order to keep running, and how as an employer of millions of Americans, the USPS (and by association, the junk mail) plays an important role in the economy.

Personally, I’d rather see them reform the USPS system rather than continuing to try to justify the support of the glut of junk mail being sent. 

Fighting the Flood of Junk Mail

Every day I go to the mailbox with a small sense of dread. Not for any bill that I am expecting, but the glut of junk I know I will find there. On average, I get one piece of “good” mail every three days, and ten pieces of junk per day. What an amazing waste.

So, I decided, rather than just continue to drop these things in the trash or the recycle bin, I am going to try to get them to stop sending it to me at all.

The first step is going to be the easiest, and also the one with the most affect (I hope). A large percentage of the junk I receive comes in the form of credit card and mortgage loan offers. Last week I finally decided to read through one from top to bottom and see if I could find a number to call to make them stop. Eureka! At the bottom of the page was a section about prescreened credit and loan applications. The Consumer Credit Reporting Companies (Equifax, Experian, Innovis and TransUnion) provide a web page that allows you to opt out of their prescreened credit efforts for five years, or forever.

https://www.optoutprescreen.com/opt_form.cgi

I have chosen to opt out myself and my wife forever. The request forms go off in today’s mail, so we will see how this goes.

Anyone familiar with my blog here may notice that I have added a new category, A Little Less Junk, for this post. In the future this category will contain my efforts to stop as much waste in my life as I can. I’m not some super eco-nutjob, but I’ve come to realize that there are many things I can do which would make me happier in my own life, while also maybe helping out the world a little.

People suck.

That’s is one phrase that I probably overuse. I’m just fond of saying that “people suck”. And every now and then, I consider stopping saying it, because maybe, just maybe, people don’t suck… and then I’m reminded that by and large, people do indeed suck.

Today I got a call from my credit card company. It seems that there was an unusual convenience check written against my account. Now, I use convenience checks all the time… see, I have this one credit card that has a 3.9% rate on transfers, with no fee, but it has a 16.9% rate for purchases… weird, I know, but I’ve learned to live with it. So, I buy stuff with other cards, and then transfer them over to the “better” card, basically giving myself 60 days to pay with no charge instead of 30.

Anyway, this one account however, I’ve never used a convenience check for, hence the reason they called. A $1000 check had been written to a “Tiffany Lane”, and signed by Jodi, my fiancee, who’s name is also on the credit card account. Well, Jodi never even sees the checks before I rip them up, so I was certain it wasn’t her. And of course, we don’t know any Tiffany Lane.

So, the process begins. They are going to close my account and issue me a new one. They will send me an affidavit to indicate which charges are not mine, and they will remove them from my account and start trying to get their money from the other direction.

When I got home today, I pulled out all my paperwork (which I’ve neatly filed ever since a previous landlord tried to double hit me with penalties I had already paid). Sure enough, I checked and this month’s statement should have reached me about a week or so ago. Some filthy scum-sucking piece of human waste stole my credit card statement out of the mail and was trying to use the convenience checks the credit card company happily provides.

Now I have to wait seven to ten days to get my new account, then go about redoing all my automatic transactions and stuff. Pain in my ass.

People suck.