How To Stop Balance Transfer Checks from Chase, Citibank, Capital One, Etc.

mailbox‘Tis the season for a mailbox full of catalogs and credit card balance transfer checks. (Hint: There is a connection between the two.) If you want these “access” checks to stop, you just have to ask. You simply call them up (see back of credit card) or go online into their Live Chat or Secure Message systems and ask them.

In the past, I didn’t mind the checks as I wanted the opportunity to get money at 0% APR with no balance transfer fee. However, given the current low interest rates and the fact that nearly all of them have balance transfer fees, I’d rather just have less paper to shred. The wording isn’t particularly important, but you can just copy and paste this if you’d like:

Dear Credit Card Issuer,

I am writing to request that balance transfer and/or purchase access checks no longer be sent to me via mail. I would like for this preference to be applied across all of my credit card accounts.

Thank you,

Your Customer

Here are my successful results after online inquiries to Capital One, Chase, and Citibank. I didn’t have to call anyone.

Citibank. Via their Secure Message system:

nochecks_citi

Chase. Via their Secure Message system:

nochecks_chase

Capital One. I did this one via live chat. In retrospect, rather than waiting around for all the back and forth, it was probably easier to just send off a secure message and wait for the confirmation reply. Below is an excerpt of the chat.

nochecks_cap

If you don’t want any unsolicited offers for new credit cards sent to you, you can also enroll at OptOutPrescreen.com. This is not the same situation as above, because if you already have a relationship they can send you junk until you opt out.

Comments

  1. I once had someone get a hold of one of my cash advance checks (I’m not sure how, maybe it was misdelivered because I always shred them like you do) and wrote a check for $4000). I of course called it in as fraud and filed a police report but it was just a hassle.

    Definitely a good idea to stop getting them in the mail.

  2. Thanks for the FYI, I am getting tired of shredding all of these too 🙂

  3. I am afraid you might have opted out of pre-screened offers from Citi… I would rather shred some checks and get sweet sweet bonuses than get nothing,

    • It’s true, I might miss out on some targeted offers, but in the past few years I can’t recall getting anything via snail mail that wasn’t also available online. I tried to word it so just the checks were stopped, but if they stop with other offers then I’ll accept the consequences.

  4. Did not know I could stop just that. Thanks for the information.

  5. My shredder thanks you.

  6. Speaking about banks’ credit cards, Jonathan, which aggregating services do you use to simplify tracing your credit cards/bank accounts? Convenience vs security?

  7. I’d also like to have them stop sending me the high-fee, 0% checks, but then I’m afraid I’ll miss the opportunity when the banks start reoffering the no-fee, 0% offers!

  8. I had the same success with a secure message to Elan FInancial Services. Thanks for the tip!

  9. Thanks so much for posting this. What a great idea! I just received a balance transfer offer + checks in the mail from Citibank and now I know how best to handle my response w/o having to phone them.

  10. I remember getting a ridiculous amount of these checks from Chase and Citibank and I had called years ago to ask they stop as it was a security risk to my identity/account/etc. I was told they could not stop that despite the fact I had opted out of everything paper. This was around 2010ish or so but good to know they do now. I’ll be doing this shortly as well.

  11. Citibank is the worst. I called months ago to ask them to stop and they would not speak to me. I am the main cardholder but my joint owners phone number was on the acct. i had them call in and make the request. Two months later and I am still getting at least one per week. We sent a secured message and got four messages in reply. Two saying they have sent the message to another department and then two different ones saying they will stop them in 30-60 days. What a marvel of inefficiency.

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