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1.6 cents per month seems pretty reasonable to solve what would otherwise just consume some of your time. An ideal world, there wouldn't be a processing fee but we don't live in that world.

Aa far as the credit card opt out, you can also freeze your credit and I believe that has a similar impact since no one can make unauthorized inquiries.

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You can mail the junk back to the sender at their own cost.

If you make it cost too much to send to you, they stop on their own.

It takes about 5-7 months

How do you mail it back to sender at their cost?

Some have a prepaid envelop for your response.

Do not open it, and write "return to sender".

This is untrue. For the cheapest classes of mail, (e.g., "bulk rate") it is not returned, it is discarded.

It is true.

I shred those bulk mailings, but I was referencing the many Junk but non-bulk class letters I receive. It makes no sense to write return to sender on a bulk-mailer.

While much Junk mail is sent via bulk rate, Junk in this context refers to the content not to the mailing class of bulk.

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