No one really likes the idea of being on someone’s junk mail list, but if you’ve woken up and gone out to your mailbox, chances are good that you have a mailbox full of junk letters and credit card offers.

It’s not your fault, really — you’re just too tempting. The credit card company really wants to make sure that you’re going to take one of their offers. They want to sign you up for as many credit cards as possible, because even if you don’t carry a balance they’re making money in multiple ways — including sharing your information with trusted third parties. Don’t like it — tough it’s part of the whole experience. It can be difficult to deal with the idea of having to have your information scattered far and wide.

It also might be tempting to sign up for the offers, but the truth is that after the introductory honeymoon period is over, these credit cards may be more than what you bargained for. You can’t close them either — shutting down accounts can really mess with your credit score, and this is not a time where you want to have a lot of closed accounts. You really want to try to rebuild your credit as much as possible, but taking out a bunch of credit cards really isn’t the way to go.

You will definitely want to make sure that you opt out of the whole system, and that means being proactive instead of reactive. First and foremost, you will want to call the credit card companies that are constantly sending you their offers. You will let them know that you don’t want to receive anything else. There is also a website called OptOuitPreScreen.com that can help you actually stop the junk mail from all of the credit card companies in one go, but users have experienced mixed reviews. When you’re really trying to get out of debt, you don’t need to be surrounded by credit cards.

Overall, now is a good time to look at the offers you get. If they’re not benefiting your life, then now is a great time to just get rid of them, wouldn’t you say?