Not Offering Credit Where Credit Isn't Due

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Looking for good news where they can find it these days, consumers may celebrate one consequence of this year’s economic turmoil and the credit crunch that’s a key part of it: Their mailboxes are less cluttered with solicitations from credit-card companies. This also counts as good news for direct-mail marketers in other categories, as their own mailings have less competition for recipients’ attention.

A report from Synovate, based on tracking by its Mail Monitor operation, predicts that Americans will end up getting some 4.2

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