Thread: Citibank MC Checks

So I have this "Citicard" w/ a tiny balance on it & a fixed APR of 9.25%. I have read about the rate increase, which hasn't happened to me (yet!), but I'm paying off the remainder this month.

Problem is: They seem to SO want me to make a balance transfer. Since about July, they've sent me at least 20 packets of checks & keep emailing me extended transfer offers. But this is my only card, so I have no other balance to transfer (geez!). What do I do here? They must be wasting, like, so much paper & postage!

BTW: My only other credit is a "Paypal Buyer Credit" account which I use to make small purchases on eBay & then pay off in full (never payed a penny in interest).

Originally Posted by Madness

So I have this "Citicard" w/ a tiny balance on it & a fixed APR of 9.25%. I have read about the rate increase, which hasn't happened to me (yet!), but I'm paying off the remainder this month.

Problem is: They seem to SO want me to make a balance transfer. Since about July, they've sent me at least 20 packets of checks & keep emailing me extended transfer offers. But this is my only card, so I have no other balance to transfer (geez!). What do I do here? They must be wasting, like, so much paper & postage!

BTW: My only other credit is a "Paypal Buyer Credit" account which I use to make small purchases on eBay & then pay off in full (never payed a penny in interest).

Just ignore the checks - rip 'em up and toss them. I've gotten the same thing for years.

For amusement, read the fine print. Some of those "checks" are nasty! They carry high rates or obligate you to accept bad terms.

I've done that with all my cards. The checks represent a small security risk. Someone could grab them out of your mailbox or a postal worker might even try to use them (mail theft is more widespread than most people realize). Better yet, go online and configure your accounts for paperless everything.

If you really want to stop offers, contact credit reporting agencies and opt out of credit card pre-screen offers. Then you won't get any pre-approved offers either.

Originally Posted by jeffysdad

. Better yet, go online and configure your accounts for paperless everything.

If you really want to stop offers, contact credit reporting agencies and opt out of credit card pre-screen offers. Then you won't get any pre-approved offers either.

On the paperless everything...I have friend who got burned by this. I don't remember the details but the bottom line was that part of the agreement you agree to for the paperless requires waiving many unrelated rights including right to notice. Just be careful and read the details.

As far as stopping offers, this does work! I did that several years ago and my mail volume dropped dramatically. But it does not stop the checks from coming for cards you already have. I know because I opted out of everything possible and still get those.

that the checks be stopped with the credit card company.

I always put these straight into the shredder.

Thanks for all the responses. I'll try calling to request stoppage of the checks. Some of them came w/ suggestions that I use 'em for things like groceries & paying bills. In the latter case, I certainly have no need to borrow from Peter to pay Paul! Existing checks have been shredded!