How to Stop Cold Calls for Credit Card Rate Reduction


You’ve just sat down at the dinner table for a nice family meal after a busy day at work. You scoop mashed potatoes on your plate and, while reaching for the gravy, the phone rings. For the third time this week, a telemarketer interrupts your dinner. You listen to him babble on for 30 seconds about a fabulous new offer to reduce your credit card interest rates before you end the call. You don't have to listen anymore; cold calling from telemarketers regarding credit cards can be stopped.

Opt out of prescreened offers for credit and insurance. Credit bureaus sell personal information to third parties, which in turn solicit you. By opting out, you deny the credit bureaus permission to sell your information, removing your name from their lists. Opting out can be done online or by mail. Visit to remove yourself from telemarketer’s lists.

Register yourself on the national Do Not Call Registry by calling (888) 382-1222 or going online to This registry is managed by the Federal Trade Commission. It was founded in 2003 to give consumers the right to stop telemarketer phone calls. Entering your phone number into this governmental registry will remove your name and number from telemarketer lists, including those unrelated to credit. Cell phones can be registered, and your number remains on the list until it is disconnected.

Record the date, time, phone number and company name of any business that calls more than 30 days after completing steps one and two. Consult with an attorney for a possible lawsuit against the offending company. Federal law protects you as a consumer against further unsolicited contact.

Tips & Warnings

  • Opting out and registering on the Do Not Call Registry can take 30 days to take effect. Be patient; the calls should stop.

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