I wish Capital One would get on board. We get a slew of offers from them and have so for many years. Often six to eight a week. Just about to wear out the shredder. I called them once and told them to knock it off, to no avail. One thing for sure, we'll never have a Capital One card. What a crock.

When I get these things I send the envelope back empty or with part of the letter without my name on it. That way they pay twice and I get revenge and help out the postal service since I mail very little these days.

I do the same thing as Marty on the previous post. In addition, I highlight or circle the part of their agreement which says they "can change interest rates and APRs at any time and for any reason. It actually costs them more to receive the return envelope. They mail for less than twenty cents and may pay more than forty cents when the envelope returns. Maybe a million of us can return the envelopes on the third of July.

Maybe there is a total reduction in these mass mailings however they are sending more and more to us. I used to toss into recycle but I now send back the ad with no thank you written on the address part. Have done this for about 3 years to no avail. We have enough credit cards with Wells Fargo, Chase, Citicorp and Bank of America. We kind of spread it around by month and pay the balance every billing period. The one card we always notate on the send back is when no yearly fee we will consider is American Express. All our credit cards offer money back which is all we want. We do not want points or air travel rewards.

On a mission to become debt free, last year I paid off (and closed) our final credit card. Then I received a notice that, since it had taken my pay-off check several days to be posted, I owed another $19.34 in interest. Irritated, I mailed them a check for $30.00. They had to mail me back a check for a little more than $10.00. I enjoyed that. I made them pay for the paper, the printing of the check and the postage.

We now live credit card free...although we use our debit cards occasionally. In order to protect ourselves, we order a new debit card with new numbers a couple of times a year. Funny, but since we have no credit cards, we have cash in savings to pay for any emergencies....now that we aren't making credit card payments. I can't see any reason to ever have a credit card again.

Credit card solicitation has lessened. Capitol One seems to be the only consistently annoying credit card solicitor. The have mailed several pieces per month for a few years now and it still keeps coming. I continue to fill up the response envelope to the max with junk and mail it back to them (as suggested by CBS Mr. Rooney). Can't imagine who's paying huge fees to fund this huge mailing and printing cost???

THANK GOD!! Some terrific news for a change. I hope to live to see the day when people wise up, pay off their cards, cut them up and the companies all go out of business- esp. that bloodsucker, Capital One.

Where the factual data came from for this article is beyond me. Since becoming disabled and unable to obtain a job, my credit score has gone from 825 and above, to well below 500. I have been unable to pay for some of the most basic services; credit cards and medical bills are 365 and more past due and I receive more than 10 calls a day (24/7) from collection agencies. But wait..........in my mailbox there are at least four offers a day for credit cards and no finance fee auto loans. Good thing that congress and the state legislators are doing something to monitor the banking and lending groups.

Go back out and do some real research.