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Bait and Switched While Phishing
What is Phishing?



 

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Credit card "bait and switch," or just "phishing" around?

Guido
55  CO
Fri, 10 Dec 2010

Recently I received a 'pre-approved offer' from Discover. Terms were 0% on purchases for 6 mos, and 0% on balance transfers for 15 mos.  Early in the app process you are required to give permission for them to pass your information on to affiliated companies.  The first application was turned down with no verbal explanation.

A letter received days later stated the reason as " No residence telephone number " which is ridiculous. A call to Discover and a clarification got me past that issue. After another 30 minutes on the phone I was again told I didn't qualify for their 'pre-approved offer"  but did qualify for one of their other products. My credit score is 780 and debt ratios are good. The "pre-approved offer" is nothing more than a bait-and-switch designed to collect information that can be sold to other companies AND possibly convert an unwary customer into a high-rate card. Shred it and save your time.

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Scambuster:
Thank you for sharing your experience.  Reporting your experience may help someone else recognize similar business practices before they are tricked into giving out information or getting tricked into buying something other than what they originally wanted.




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