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Beware of any such offers you get in the mail. If you do receive an advance-fee offer in the mail, be sure to destroy the card and shred the offer letter. For those consumers that have already become victims, and have had money debited from their bank accounts, they should file an affidavit with their bank to revoke the debit. If more than 60 days have passed, request to file a fraud complaint. And, while it is a hassle, consider closing your bank account and opening a new one to avoid having money stolen.
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The acquirer's computers than use the transmitted information to verify that the cardholder's account is in good standing and has sufficient credit to cover the purchase. If approved, the acquirer sends an authorization response. If the transaction is declined, the acquirer provides a reason code.
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