They call on the phone and ask if you're interested in a very low APR credit card and say they are allied with Bank 1 or Bank of America (I wonder if those banks know they are being used!)
They say the one time payment is the fee for the life of the card and that the card will be couriered to your house. They make a recording when they ask you the bank account and for your authority to withdraw the funds by a phone check. When you try to call to find out where the card is, the phone just rings and rings. There is no website to complain to either. I filed a report with the Better Business Bureau. The amount was $286.
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