I like to play along once in a while. Remember years back how aggressive the credit card companies were in trying to sell you up over the phone? One credit card company called with the opening line "Mr. k57, I'm with GetRippedOffCredit Card and happy to tell you that you're already approved ... I just need a bit of information and can send you your card in the mail today."
Okay.
"Hey, sounds good, what do you need."
So eager telemarketer reviews my info: phone number, address, age etc to see if it's all correct.
Uh huh.
"Well, Mr. k57 you're pre-approved for a $5,000 card, and a $50,000 line of credit." Then tells me how low the rates will be for the first 6 months and they'd be happy to transfer any other credit card debts I have to this card.
"That all sounds great, I'll take it all: the $5,000 card, the transfer and line of credit."
Finally, "I just need to verify your income and place of employment."
"Oh, I'm not working right now, in fact I've been unemployed for a year. This new card and line of credit would sure come in handy right now."
Reply: "Um, you're not working? Oh, then I don't think I can sign you up."
Sez me, "No, no, you said I was pre-approved ... I want my card and that $50,000 line of credit. Let me talk to your supervisor."
Click!