At Cross Country Bank, we believe consumers like you should have the convenience and purchasing power of a VISA credit card without having to send in a security deposit. That is why you have been selected to receive this special unsecured VISA offer along with the exclusive right to enroll in Applied Advantage, the money-saving enhancement program offered only through Cross Country Bank. APR for purchases: 21.74% APR for past due purchases: 24.74% Grace Period: NONE Annual Fee: $50 Applied Advantage Membership Fee: $34.95 Account Origination Fee (one time only): $100 Express Service: $10 This company is being allowed to charge these obscene fees all in the name of a free market economy. How many unsophisticated Americans out there, who work hard at lousy jobs for lousy wages, who can't read plain language much less the deceptive and round-a-bout language of the unwanted Cross Country solicitation delivered to my mail box on my porch - how many of these Americans are prey to these vultures in the name of a free market economy? Where the hell did they get my name? My address? Who gave it to them? We need to put a stop to this kind of abuse and put banks like Cross Country out of business and their executives in prison. I have made copies of my UNWANTED solicitation from Cross Country and am sending it to EVERY SINGLE member of Congress asking that they hold hearings on Cross Country and the whole rogue's gallery of sub-prime and sub-human card issuers and bring them down! I request that any person who gets an unwanted solicitation from Cross Country send it to your elected representative suggesting they forward the document(s) to federal agencies for examination by federal attorneys.