I received a letter in the mail from Union Workers Credit Services saying that I was pre-approved for a platinum credit card with an amazingly low interest rate of 5%. I do not need a new credit card, so I didn't return the form. I was suspect because there is no bank affiliation and they ask you to pay $37 for the card. I have never heard of anyone doing that. I went online and sure enough, there are multiple hits for scams by this company. People who did it did not receive a credit card.