Lindsay
Waterloo,#2Consumer Comment
Mon, December 13, 2004
On November 19 i recieved a call early in the morning from a man by the name of Joseph Anderson. This man advised, like many of you, that i was approved for a Visa card with a credit limit of $2500 and also a daily cash advance of $500. I questioned the gentleman on how i was all the sudden approved for such a high credit limit and low APR. This man advised that every once in a while Visa runs special credit approvals to allow individuals with impaired credit the opportunity to rebuild their credit. He said that the $299.95 wasn't a down payment for a secured card just a processing fee. Joseph told me that i would receive my card in 3-4 business days and that immediately when i received it would be able to take out a cash advance so if i needed to borrow the money i would be able to pay it back immediately. It was early and i was, to be completely honest, excited that i was getting a credit card as in the past few years i have had some major financial problems. I gave the man my information and awaited my credit card. After speaking with several customer service reps the next couple weeks i became very suspicious and wondered if i was ever going to get this card. Finally after about 3 weeks, i reicieved a package in the mail from Peoples Rebate Association on 12/10. In this package there were coupon books for various restaraunts and insurance plans, definately not what i had thought i would be receiving. It said on the cover letter, "Provided this is not what you had ordered, the items can be returned and upon reciept of the package we will refund your money minus $29.99 for shipping. The next afternoon i recieved an envelope with a credit application for centenial bank. Ironically enough i had just applied for that card on my own and was denied so obviously by now it was pretty evident, if it wasnt before, that this was a scam. I have been trying to contact this company regarding return information as it wouldnt suprise me, if i returned it to sender that i wouldnt recieved credit. Honestly I dont forsee that i will receive a credit no matter what. But you better believe that i will do my best to try. If there is any happenings regarding a law suit against this company &/ Strategic Credit Educators, who i regretably fell into the same trap with, within days of each other,