I nearly fell for it. I received an approval letter and Card ready for activation. Amazing, I told my wife, this was impossible.
I sure could use a $6500 credit limit, as I have started my own CAD Business. Anyway, I called the phone number. I went though a 15 minute, really annoying, automated questionnaire.
After which, it ask me to repeat my name for transfer to a live representative. Then another 5 minute automated annoyance occurred. Then finally the infamous representative came on.
The first thing I was asked by the representative was my date of birth. Weird, but I humored her. Then the more infamous account information request.
I then stated that the automated system mentioned a bill by mail option. The girl then stated that she had an awesome Idea. I was immediately transferred to another lady.
Wow, that was a great idea!
This lady then repeated verbatim the, what must be, the standard disclaimer. Now, I have heard it twice. Immediately following was another request for my account information.
I then asked again, but for this lady was the first time, about the bill by mail option. I was then asked if I had a checking account. I stated yes, I have an account.
Then, I was informed that my account information was still needed with the bill by mail option. Fortunately, I am not dumb; I never give my account information over the phone.
I told her, I did not have my account information on me; I would need her to send me more info on their program. She proceeded to tell me that she needed my account information to do that. What, who ever in their right mind would fall for that?
She then asked me if I was at home. I answered no I was not. I was about 20 minutes from home and would need to even call back if possible.
I was then asked if I was on my cell phone. I told her I was at a friends house. I would need to go home for my account info.
Which, I had no intention of giving over the phone. She proceeded to tell me she would wait for me to go get my info and come back. I then was really taken aback.
I asked her why she was willing to wait more than 40 minutes for someones account information. She proceeded to tell me that the benefits being offered would likely be void if I was to hang up and call back. Strange, most Creditors will give the opportunity to call back.
For someone to wait on the phone for 40 minutes is absurd. Not only are they wasting their time, they wasted 30 minutes of my time, which I will never get back, with their fraudulent solicitation. Steer clear of this company.
They are out to get you. As a friendly warning, think cautiously. People are out there to rip you off.
They have no regard to how it may affect you financially. No matter how tight your finances may be. It is never worth putting your life at risk.
$6500.00 sounds like a great opportunity to take care of some things. But people commit suicide everyday over financial burdens. People even get divorced over those same burdens.
Please, question everything cautiously.
La Plata, Maryland