After receiving the 'Congratulations to inform me that I was identified & pre-approved for a platinum card membership with a guaranteed $10,000 credit limit valid exclusively toward all credit purchases from credit provider. I didn't have to worry if I had been denied access to a Visa or MasterCard. The interest rate was 5% APR. My satisfaction was assured by a 60 day refund of money & guaranteed. This was a limited time offer & all deadlines were final, & failure to do so may result in my loss of pre-approved status.The annually membership fee was $37.'
At first glance the offer seemed okay, even though I was not a union worker anymore. I had seen the letter before & piled it on top of the rest of the mail. I checked the company out on the internet, found their website, clicked on my pre-approval number to access the sites member benefits & the catalog of junk they are peddling. Everything fine here except, I am not a Union Worker anymore & decided against the offer. I wouldn't do the card anyway since purchases can only be made on the site & judging from the offering of name brand products, I wouldn't buy anything anyway. It was pretty much junk & garb I don't need, saw before at the mall or Waldo's & didn't want it.
I then checked the various consumer sites & saw 'Scam' all over everything. This is something I automatically do due to the amount of traffic in my email bin. If I see even one scam report, I opt out. I'm not that adventurous. As a consumer, I know everyone peddling anything assumes we are suckers for just about anything especially when money is involved. Always check for scam sites & check the company out that is offering the bonanza.
You will be happy you did.