I received an offer in the mail today-Preapproved for a Visa and or MC. $29 one time processing fee. They want a copy of a pay stub and utility bill. I think that is very odd. Initial credit line "up to" $1000.They want ss#, mothers maiden, employer name address, yearly income etc. It says * Pre-Approval means that a credit reporting agency has verified that you have met our pre-screen criteria for this offer. Howeever, this offer could be modified or withdrawn if you still don't me the requirements. Has anyone heard of them??? I already have a secured capone card and an unsecured orchard so I really don't need it. I just wanted to know if they were legit?? I just noticed on the back page it says if you have any questions write First Premeier Bank. Is this a good bank?