Consultants. They offer a high limit Master or Visa card for $149 one time sign up fee. Sounds like they have a list of people who have been turned down. Its a scam! They get your money, and you never hear from them again. The phone number they give you gives you a chance to leave a message, but they never call back. I'm sure they use the answering machine just as a screen. I got burned. Remember the saying "If it sounds to good to be true, it probably is". Won't forget that one for awhile.