Opt Out Should Be Banned From The Marketing Playbook

I don't understand why marketing departments still have the chuzpah to use opt out as a valid conversion tool.

Case and point - CIBC new Infinite credit card. According to CIBC, I have been chosen to the premier service which has no down side and gives me new benefits such as the ability to go over my limit with out a penalty.

Apparently, in one of their direct mail pieces they gave me the option to opt out. Of course, I don't read DM and frankly I get so damn much of it them, unless it's my VISA bill or my account info i tend to toss it in the garbage without a second glance.

Now, I guess from their perspective, I should be thrilled to have this new card. But these days, time is more important to me than trip cancellation service. Without warning, the other card has stopped working on my online banking and I"m officially being forced onto this new card.

Uch. Opt out. Unless it's for organ donation, it should just be stricken from the marketing playbook all together. That's my story and better credit or not, I"m sticking to it.