Just my 2 cents:

1) just destory the offer letters.

2) those offers are NOT true offers. They will usually "soft inquiry" on your credit report, and usually does not affect your credit score much ---- in another sense, even if you want to accept those "offers", they may NOT give you ---- in another sense, they are just "offer spam". Calling to let them stop it is one way, but there will be so many different offers and normally we do not have time to call them.

3) your personal information (name, address, etc) is pretty open to many organizations. Your banks, credit cards have the right to use your information they have with their clients, whom will use it with their clients ...... So normally after a year or two, everyone will be able to know it. This is the fact in US. There are laws against this, but just no one follow it since that is the way of how many organizations make money (I saw a report of it before).

我也总收到，以前没它家卡，就收

有了以后更收了

也经常被Capital One 骚扰，气愤ing！~~~~~~

我的策略也是撕了不理。