My husband got a call about a week ago from a company, I suppose they had tried to sell him something. He said no but the person on the other end asked my husband if he would like to apply for a "Gold credit card". He gave the info, and we got a letter in the mail today Big headline "Congrats! You have been pre-approved for a $10,000.00 Gold card." Im thinking Oh great! We finally got approved for one. Then it hits me, Wait me and my husband have WAY less than even good credit. If I had not came here, we would have mailed the MO, and been filed as another scam statistic. Thanks for posting your information.