Credit cards: The profit nibblers
You may have received what appeared to be a credit card in the mail along with a letter promising something to the tune of "You are already approved" or "Clean up bad credit." If you have bad credit, it may have been tempting to follow the included instructions: dial a toll-free number, key in your "activation code," and speak to an operator requesting your bank account number. Perhaps you found out the hard way that these so-called advance fee credit cards are not credit cards at all.
Credit cards: The profit nibblers
Small businesses accept payment cards such as credit cards or debit cards because it’s easy for their customers - not because it’s easy for them. Navigating the payment-card processing system can be an overwhelming and costly burden. ...
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Credit cards: The profit nibblers
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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