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Mr Mountain
RE: Credit one...looks like Capital One, I accepted their offer for a credit card, need to cancel ASAP!
I ran into one of these companies years ago. They eventually got fined millions of dollars for other illegal stuff they were doing.

Their biggest scam was to hold all payments past the due date and then tack on late fees. It would take a half hour to get through and then they would take them off. They made millions from people either not noticing the late fees or not wanting the hassle of getting it taken care of.

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