Have you been receiving a boatload of junk mail every week with offers for pre-approved credit cards? Are you also perhaps getting a ridiculous number of telephone calls from the various credit card companies out there who want your business? As a consumer you have rights. A simple phone number which very few consumers know about can be used to quickly and easily opt out of those pesty credit card offers you may receive all the time.

Simply dial 1-888-5-OPTOUT (1-888-567-8688), a toll free number, and get rid of all that junk mail. Particularly if you are a new college student, you are probably deluged by the vast amount of pre-approved credit card offers you receive. This is a great way to get rid of all that junk mail, as well as hopefully keep yourself away from the temptations of yet another line of credit. College students are some of the most preyed upon individuals in the industry, and are often taken advantage of by the major card companies.

“Easy credit may sound good to cash-strapped students but the downside can be a deep spiral into a whirlpool of debt, with no easy way out,” stated Thomas R. Calcagni, who is the acting director of the Division of Consumer Affairs. This is a nice tool to know about, that should help the situation somewhat.