There's a credit card bank out there called Applied Card Bank. They are the lowest form of "predatory lending"--they must get a lot of business from extremely stupid people, because with the terms they offer, they shouldn't be getting any customers at all.
If ever you get a mailing from them, or a mailing from any credit card company that offers terms like those shown in the picture, I want you to do two things:
- Don't apply for the bleeping card. Ever. If you don't believe me, read the fine print (see the illustration below).
- Send something nasty back to them using the postage-paid envelope they supply to you--the copy of the disclosure with all sorts of graffiti on it, or a letter with a picture of Vince McMahon yelling into his mike, "Applied Card Bank, screw you, you're fired!"
Update on ZingoTel: Their days are numbered. I switch to WideOpenWest (aka WOW!) on October 8. WOW! had a sweet package deal going on anyway--for just $4 more versus adding the phone service only, I also get a faster Internet download speed (6Mbps, triple what I have now), 45 channels of CD-quality music, access to Video OnDemand, and more. Besides, ZingoTel was giving me more trouble than it was worth--disrupted Internet connections, the caller ID service was giving me the name/namber of the previous caller rather than the one calling me at the moment, and that's on top of the troubles I mentioned earlier this year.