I have been applying for credit cards for some time now. I got myself into a lot of debt a few years ago and have been trying to find any way to improve my credit situation. I have been applying for credit cards through the mail and also recently began applying on the web.
On February 6 I received a phone call from a woman saying they received my application and could offer me a credit card with a $2500 spending limit and 0% interest for the first year for a one time processing fee of $169 with no other hidden fees like membership fees or annual fees, etc.
The woman said her name was Monica. She said she could get the credit card to me in 10 to 14 days, just as soon as they received my processing fee. She said the could do a "check by phone" and that way they would receive my processing fee within 24 hours and be able to send out the card.
I believed this woman for a couple reasons. For one, I could hear noises in the background that sounded like a busy office with voices and phones ringing. Another reason is that after I gave her my checking account information she said that her boss would call me back to confirm it all and that that conversation would be recorded. Her boss did call me back about 20 to 30 minutes later and that all seemed legit, too.
Today is March 9 and I still have not received my new credit card. When I try to call Monica at the phone number she gave me (1-800-690-3859) I always get either her voicemail box or the mailbox of "administrations" which is always full so I can't leave a message there. I have left at least 10 messages on Monica's voice mail over the last couple weeks and she still has not returned my phone calls.
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