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PSA: Citi cards updated marketing policy. Limit your sharing!

3,445 4,956 December 21, 2019 at 01:36 PM in Finance (2) See More Citi Offers
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Last Edited by Phaenon December 21, 2019 at 07:36 PM
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Call 1-866-217-4736 from a registered phone and limit Citi selling your information to third parties!

This applies to all Citi cards including cards like Costco issued by Citi.

Remember to ask for a written confirmation in the automated system at the end.


If you don't understand why this is important read the NYT article or below:

https://www.theverge.com/2019/12/...york-times

There are massive data aggregation companies like Factual and Roam. They pay money to apps to give people your location history and build your profile.

They then buy information from financial institutions to tie it to the places you visited

Then they buy information and match up financial transaction time stamps to anonymized store purchase data (from like free rewards cards) to figure out what you bought.

They also then collect public information about you on age, and other demographics

Then they sell all of this as a package to anyone who will pay for it.

update: for those of you who asked about Chase, you must call: 1-888-868-8618. It requires more information than the Citi system when asked if you are a resident of CA, just say yes and limit additional sharing!

Amex: 1- 855-297-7748
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PSA: Citi cards updated marketing policy. Limit your sharing!
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Joined Jul 2017
L7: Teacher
> bubble2 2,762 Posts
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quantecipher
12-22-2019 at 07:59 AM.
12-22-2019 at 07:59 AM.
Quote from SuplexCity :
Will opting out affect pre-screened offers? I have gotten some pre-approved offers on Credit cards which helps reducing credit hits and dont want to miss out on those.
If you are talking about pre-approved offers with no hard pull within the same credit card company, then no. Opting out only affects third-party sharing.
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Joined May 2009
L5: Journeyman
> bubble2 829 Posts
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Gilgamush
12-22-2019 at 08:06 AM.
12-22-2019 at 08:06 AM.
Quote from jw461 :
As a bit of a counterpoint, I think I have no problem with this. Tin-foil-hat arguments aside, wouldn't you WANT companies to advertise to you better to show you things you actually want to buy? It's all the worthless crap I have no interest in that's part of mass media to annoys me. But show me something I want? I'll gladly watch the commercial (once or twice) and possibly buy it. That can either happen by chance or if they've collected some data Google-style, they can just show me what I want.

Go home google.
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Joined Jul 2017
L7: Teacher
> bubble2 2,762 Posts
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quantecipher
12-22-2019 at 08:20 AM.
12-22-2019 at 08:20 AM.
Quote from VIP :
but if you call this number, Citi will also know your real phone number (if they didn't have it already) so they will tie it to your location and purchases Confused
It's just another way for Citi to verify your real number, which makes your info more valuable, so that they can sell your info at a higher price. Stick Out Tongue
Reply
Joined May 2008
Consumer Advocate
> bubble2 3,445 Posts
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Original Poster
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Phaenon
12-22-2019 at 08:21 AM.
12-22-2019 at 08:21 AM.
Quote from quantecipher :
If you are talking about pre-approved offers with no hard pull within the same credit card company, then no. Opting out only affects third-party sharing.
Correct you can make a choice and let then send you internal offers. Third party sharing is just extra money for them
Reply
Joined Jul 2017
L7: Teacher
> bubble2 2,762 Posts
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quantecipher
12-22-2019 at 08:37 AM.
12-22-2019 at 08:37 AM.
Quote from wspfan :
Do yourself a favor. Order a NCF (National Credit File) report on yourself - it's FREE. Report is 60 plus pages. You will have it in 3-4 days.

http://www.specialtycreditreports...ns-bureau/

It's shows what info is out there about you (marketing records, education records, work records, email addresses, phone numbers, criminal, court records, driving record, credit records, CLUE - insurance records, family, etc) and how the companies use that info to offer you insurance, credit, etc.

I stumbled upon this when the car insurance company stated I had a claim (I never have) on my record. So I had to fight them. Only way was to get a free NCF on myself and dispute it from there. They have to remove it. Luckily, I had someone tell me about this site.
Quote from mike2012 :
Thank you for the info. It,but, looks like out of stock now.
Edit: Also it's not free any more via internet order.
Quote from wspfan :
I will look for the free link. I know mine was free.
Quote from mike2012 :
Yes, it seems it was free before.
At any rate, I appreciate your information again.
Regarding the LexisNexis National Credit File Report, always request directly from the source and it's free. Never request through third party. That third party above is a law firm that may collect and sell your info.

Request directly from the source for free below:
https://consumer.risk.lexisnexis.com

You can also opt out of LexisNexis below:
https://risk.lexisnexis.com/consu...s-policies
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Joined Dec 2011
L9: Master
> bubble2 4,365 Posts
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wspfan
12-22-2019 at 08:44 AM.
12-22-2019 at 08:44 AM.
Quote from quantecipher :
Regarding the LexisNexis National Credit File Report, always request directly from the source and it's free. Never request through third party. That third party above is a law firm that may collect and sell your info.

Request directly from the source for free below:
https://consumer.risk.lexisnexis.com

You can also opt out of LexisNexis below:
https://risk.lexisnexis.com/consu...s-policies
Thanks for fixing that. Repped!!
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Joined Aug 2006
L3: Novice
> bubble2 182 Posts
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jw461
12-22-2019 at 10:19 AM.
12-22-2019 at 10:19 AM.
Quote from kovy :
No, I don't want any company having a massive file of all my private conversations in every app and in every text message and every email and every living room conversation and every bedroom conversation... So that I have "better ads". I'd have a total idiot to want that.
I agree, but that's not what this is. BTW, your tin foil hat is a little crooked. Better fix it before the aliens steal your brain waves.
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Joined Jan 2018
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shinyraindrops
12-22-2019 at 10:36 AM.
12-22-2019 at 10:36 AM.
Quote from TiredOfTaxes :
I wish Costco went with Discover.
Why? Discover does the same. Make sure to call 1-800-225-5202 to have Discover limit sharing your data.

https://www.discover.com/credit-cards/help-center/account/privacy-policies/assets/BusinessPrivacyPolicy.pdf
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Joined Jan 2018
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shinyraindrops
12-22-2019 at 10:37 AM.
12-22-2019 at 10:37 AM.
Quote from nice279guy :
What info do they need in the email so I can request the data and get it deleted? TIA!
Just send them an email asking them. Something like "I'd like a copy of the data you have on me." They'll let you know what they need. Make sure you ask for a copy first and then for them to delete. Since they can't send you what they don't have. Wink
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Joined Jan 2018
L7: Teacher
> bubble2 2,888 Posts
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shinyraindrops
12-22-2019 at 10:39 AM.
12-22-2019 at 10:39 AM.
Quote from jw461 :
I agree, but that's not what this is. BTW, your tin foil hat is a little crooked. Better fix it before the aliens steal your brain waves.
LOL. Worry less about tin foil hats and more about your head being in a hole in the ground.
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Joined Jan 2018
L7: Teacher
> bubble2 2,888 Posts
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shinyraindrops
12-22-2019 at 10:42 AM.
12-22-2019 at 10:42 AM.
Quote from VIP :
but if you call this number, Citi will also know your real phone number (if they didn't have it already) so they will tie it to your location and purchases Confused
They already have it. That's why you need to call from the number that's on your account otherwise it doesn't work.
Reply
Joined Jan 2018
L7: Teacher
> bubble2 2,888 Posts
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shinyraindrops
12-22-2019 at 10:49 AM.
12-22-2019 at 10:49 AM.
Quote from quantecipher :
Regarding the LexisNexis National Credit File Report, always request directly from the source and it's free. Never request through third party. That third party above is a law firm that may collect and sell your info.

Request directly from the source for free below:
https://consumer.risk.lexisnexis.com

You can also opt out of LexisNexis below:
https://risk.lexisnexis.com/consu...s-policies
I've been opted out of Lexis Nexis for years, so I guess there's no report for them to send me right?

For people that value privacy, they should opt out of all the data brokers they can. Some make it easy. Others not so much. Others you have to nag them endlessly until they do it just so you stop nagging them. I had to nag one for 2 years before they finally removed me from their database. Hopefully California has made that much easier. Thanks California!

Here are a couple of threads with lists of data brokers to opt out of. The threads are old but are still valid.

https://www.reddit.com/r/technolo...und_check/
https://www.reddit.com/r/technolo...und_check/


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Joined Apr 2008
L10: Grand Master
> bubble2 9,972 Posts
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kovy
12-22-2019 at 11:01 AM.
12-22-2019 at 11:01 AM.
Quote from jw461 :
I agree, but that's not what this is. BTW, your tin foil hat is a little crooked. Better fix it before the aliens steal your brain waves.
Yeah sure. Why would they ever in a million years do something that they would profit from, spend billions of dollars in data aggregating infrastructure to accomplish and had been demonstrated that they absolutely do? But stick with the "tinfoil hat" security blanket borefest. Basic logic and common sense are going to be far too inconvenient.
Reply
Joined Jul 2017
L7: Teacher
> bubble2 2,762 Posts
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quantecipher
12-22-2019 at 11:43 AM.
12-22-2019 at 11:43 AM.
Quote from shinyraindrops :
I've been opted out of Lexis Nexis for years, so I guess there's no report for them to send me right?
I would still request the report from them every 12 months to make sure there is no info on you. They will let you know on the request if there is no info on you.

You may also request the Accurint, Bridger Insight, and WordCompliance reports below under U.S. Data Access Requests, if any is applicable to you:
https://risk.lexisnexis.com/consu...s-policies

Quote from shinyraindrops :
For people that value privacy, they should opt out of all the data brokers they can. Some make it easy. Others not so much. Others you have to nag them endlessly until they do it just so you stop nagging them. I had to nag one for 2 years before they finally removed me from their database. Hopefully California has made that much easier. Thanks California!

Here are a couple of threads with lists of data brokers to opt out of. The threads are old but are still valid.

https://www.reddit.com/r/technolo...und_check/
https://www.reddit.com/r/technolo...und_check/
Thanks for sharing the above and Happy Holidays hug
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Last edited by quantecipher December 22, 2019 at 11:45 AM.

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Joined Jun 2006
L7: Teacher
> bubble2 2,446 Posts
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nyknicks8
12-22-2019 at 01:04 PM.
12-22-2019 at 01:04 PM.
This is not new. They send privacy letters every year which allow opt out. I called he number and after attempting to opt out for each option it said I was already opted out.
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