Shredding vs. recycling offers

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CarefulBuilder14
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Shredding vs. recycling offers

Postby CarefulBuilder14 » Fri Apr 21, 2017 9:13 pm

I'm doing spring cleaning. One part of that is getting rid of old mediocre CC offers I meant to shred but instead let accumulate. I think I may have opted back in at some point. I'll have to fix that.

The offers don't have my SSN or anything but do usually have invitation codes.

How important do others find it is it to shred offers instead of just tossing them? Are those invitation codes useful to identity thieves beyond indicating to them that my credit isn't garbage?

I've got my EX frozen but may put the others on ice, too.
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Tubpbs
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Re: Shredding vs. recycling offers

Postby Tubpbs » Fri Apr 21, 2017 9:42 pm

CarefulBuilder14 wrote:I'm doing spring cleaning. One part of that is getting rid of old mediocre CC offers I meant to shred but instead let accumulate. I think I may have opted back in at some point. I'll have to fix that.

The offers don't have my SSN or anything but do usually have invitation codes.

How important do others find it is it to shred offers instead of just tossing them? Are those invitation codes useful to identity thieves beyond indicating to them that my credit isn't garbage?

I've got my EX frozen but may put the others on ice, too.


I shred everything I can. If I can't shred it, I tear it into tiny pieces. I see no reason to not. Most likely nothing will happen as no one is sifting through my trash, but it takes very little effort for me to shred everything.
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CarefulBuilder14
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Re: Shredding vs. recycling offers

Postby CarefulBuilder14 » Fri Apr 21, 2017 9:56 pm

Two offers:

One envelope was heavy paper...almost cardstock...with silver "Exclusive Offer" lettering. It advertises "Prestige without the price" and isn't so vulgar as to make the interest rate prominent.

The other had a giant "0%" on the front and promised "credit that works as hard as I do". Heavy use of red and blue.

Both offers for the BofA 1/2/3 card.

Guess they can't make up their mind about my demographic. :ppp
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
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Limited value, might close: Arrival

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Vattené
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Re: Shredding vs. recycling offers

Postby Vattené » Thu May 04, 2017 4:37 pm

I shred a lot, too. I'll toss generic junk into recycling, but I shred anything with my address on it. I doubt anything could even happen, but I figure it's just as easy to put in the shredder as it is to toss in recycling. If you have a big backlog of stuff, though, I wouldn't want to spend too much time feeding it all into a shredder either. I've never heard of anyone being able to use those codes for anything....I wouldn't deem it too risky to just toss them, but that's me.
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Tubpbs
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Re: Shredding vs. recycling offers

Postby Tubpbs » Thu May 04, 2017 6:00 pm

Vattené wrote:I shred a lot, too. I'll toss generic junk into recycling, but I shred anything with my address on it. I doubt anything could even happen, but I figure it's just as easy to put in the shredder as it is to toss in recycling. If you have a big backlog of stuff, though, I wouldn't want to spend too much time feeding it all into a shredder either. I've never heard of anyone being able to use those codes for anything....I wouldn't deem it too risky to just toss them, but that's me.


It's also easy enough to rip things up a bit and put some water on it and then that's the end of that...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
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CarefulBuilder14
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Re: Shredding vs. recycling offers

Postby CarefulBuilder14 » Fri May 05, 2017 2:17 am

Tubpbs wrote:
Vattené wrote:I shred a lot, too. I'll toss generic junk into recycling, but I shred anything with my address on it. I doubt anything could even happen, but I figure it's just as easy to put in the shredder as it is to toss in recycling. If you have a big backlog of stuff, though, I wouldn't want to spend too much time feeding it all into a shredder either. I've never heard of anyone being able to use those codes for anything....I wouldn't deem it too risky to just toss them, but that's me.


It's also easy enough to rip things up a bit and put some water on it and then that's the end of that...

If you use water, maybe add in some bleach. Water alone can take a long time.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Tubpbs
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Re: Shredding vs. recycling offers

Postby Tubpbs » Fri May 05, 2017 5:42 am

The pages will warp and stick together with water (I assume you're poking fun at me, but not sure). If you try to separate them, the exterior layer of paper will be long gone.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
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