Capital Credit Alliance - Just My Opinion

Hello,

I have one of those handy-dandy letters from Capital Credit Alliance (along with the card) in front of me as I write this. I have to admit the letter is pretty clear (To Me) that the card is not a Visa/MasterCard/or reputable department store charge card. Yes, it's made out of plastic, it has my name on it, it has the telltale row of numbers that every credit card has, it includes an expiration date like a "normal" credit card, and it has a 1st. First Capital logo emblazed upon the upper right corner. Other than that though, there's nothing printed on the card making me believe its a Visa or MasterCard, but there is also nothing there making me believe that it's not. Possibly printing something on the back of the card, such as: Not valid at any retailer or May only be used in conjunction with CCA's catalog. Although the information was clear to me, there are people in our country and abroad that are not able to comprehend the written language, don't know what to look for, and want to believe they have something they don't really have.

Unfortunately, these people fall prey to companies like this one. Much like the prize company (that sells magazines), that was sued several years ago by the elder gentleman who thought he won a million dollars. This man read the information, didn't understand it, and made his way across the US to claim his prize at the company headquarters. He didn't understand what he was reading and wanted to believe, which I am sure many of the CCA victims do.

The thing that stuck out the most to me was the fact that the company didn't have a web address listed anywhere on the form it sent. I thought let's look at the items this company sells, check out their pricing, maybe its not such a bad thing. No web address. I don't know about you but there is not way in the world I am going to agree to purchasing something I can't see (I would have been purchasing credit from this company). I searched several search engines and the only site I found that had anything to do with CCA was the warnings listed on this site. Now that's sad. What made it worse were the rebuttals posted by the CCA employee. Not only was the person unfocused on what she was writing and wasnt finishing sentences, it was pretty clear to me that she was also totally uneducated and didn't comprehend the English language and/or grammar very well. Maybe she was writing in Ebonics? Hey, maybe she's the one that wrote the form that's sent to customers... he-he-he. A thought that really scares me is this... If she is a representative of the company and has enough authority to respond to rebuttals such as the ones posted on this website, then who is in charge of the finance department for this company? Can they add? It's something everyone should think about.

People, please make decisions wisely. Read everything, including the fine print. If it looks confusing, have someone else re-read it, especially if there is money involved. Don't get caught in scams. The old saying If it looks too good to be true, it probably is should hold true.

I'm cutting my card up!

That's just my opinion.