Telemarketers present a "pre-approved" Mastercard with a one-time, life-time fee rather than annual fees. They will deduct the lifetime fee from your checking account on a set date. It will take about 4-5 weeks to receive your Mastercard.
Follow-up calls clarify that it is not a "gimmick" Mastercard. Not prepaid, not "pay as you go" or anything similar. You then allow the charge to go through your checking account, $299.00.
Four or five weeks later you receive a "packet" made at Kinko's that has four or five sheets of paper in it, each telling you where to apply for a substandard credit card, legal insurance, and where to get discounts on hotels.included is an application for a Mastercard debit card. You are now a member of "Your Benefits", also yourbenefitz.com, which will keep you advised of money-saving items available for sale.
You just paid $299.00 to be put on a telemarketer's promotion list. There is no Mastercard, there is NOTHING. Refunds are promised, and promised, and then you are advised that there is a 30-day time limit on refunds - but you didn't see what you bought/didn't buy until far after 30 days. BEWARE! No! No! NO!
Rick
Cincinnati, Ohio
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