Credit card companies target those with great credit with enticing offers, like boosted bonuses and better rates. These offers are based on credit report data and spending habits. Targeted offers can include perks like bonus points for upgrading or extra rewards. Opt out if you prefer not to receive these offers.

Targeted offers are based on preapproval with a soft credit check. While not a guarantee of acceptance, they indicate a good chance of approval. The Fair Credit Reporting Act allows credit bureaus to share data for preapproved offers. You can opt out of these offers if desired.

To opt out of targeted credit card offers, visit OptOutPrescreen.com or call 1-888-567-8688. Provide personal information to opt out for five years or permanently. Consider your budget and spending habits before applying for new credit. Ask about fees, long-term usefulness, and spending requirements.

Read more at Yahoo Finance: What are targeted credit card offers?