I, too, received the "$15,000 guaranteed approval" bit from FNC. However, while the mailing does use such knee-jerk phrases as "Gold Card" and "Reserved a card in your name, " note that the _important_ words, "Visa" and "MasterCard" don't appear anywhere. They are betting on us interpolating "Gold" into "Visa Gold."
In short, it's not a true scam, which involves outright lying, but rather a successful attempt to make us see what isn't there. A ruse de guerre... Or maybe ruse de franc is more appropriate.
Needless to say, their phone number always has the answering machine on, they never answer their email, and they don't have an email address—although when I sent email to the service, root, customer-service, support, and [email protected] accounts, only customer-service bounced. I never got an answer, however.
FNC is one of the sneaky ones; at least if a con involves outright lying, you can sue. These guys are the worst breed of scammers—stay away!
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