The Credit Card Trap

Of course, you don't have to have any credit. You can even have bad credit or have just filed bankruptcy or even be rated as a "slow payer." It doesn't matter because these companies want to give you a second chance!

Apply for a Credit Card

These companies want to make it easy for you to obtain a credit card because they only want your money! How the thing works is that you must send $35 to receive an application that provides you with a name and address listing of banks willing to give you a VISA and/or Mastercard without any credit approval.

That's a stiff price to pay for a sheet of paper, don't you think?

Credit Card Debt

The instructions that come with the application will let you know how the scheme works. You must open up a bank account with the bank once that bank approves you. Big deal! They make it appear that you have won some contest or something and people will feel "good inside" that someone has approved them.

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