Despite the recent efforts of states like California to ramp up privacy laws, there has been an appalling rise in the number of unsolicited phone calls, including “cold calls” to homes and businesses alike. This is an obstreperous practice that many find unethical and frustrating to deal with, thus the large number of complaints. These phone calls deal with a number of frivolities and perceived necessities, the latter including mobile phone service and insurance, and as you may have guessed from the title of this article, credit over the phone.
If you are offered credit over the phone, it can be quite tempting, especially if you have poor credit or have had difficulty in getting credit in the past. But this is also a perilous situation to get into, so be wary. Of course, you have to take note of the biggest risk, which is your inability to see the other person’s face and your inability to discern who exactly is that person on the other end of the line. Anybody, even your friendly neighborhood garbage man, can claim to be a representative of a credit card provider or bank, so you should exercise discretion and trepidation before giving out any piece of private information over the phone. It would not be as parlous, however, if you had requested the call from a respected financial institution or if you are the one making the call.
If you feel that you should exercise maximum trepidation and not give out any piece of sensitive information or accept credit over the phone, then you have every right to reject the offer. If you truly believe, though, that a phone offer for credit may not hurt you that much, then purposely give out only the minimum amount of information they ask you to give over the phone. They will probably need your address, but any other information can be sent to them through the post, in an application form.
In addition, you will want to keep your guard up if somebody gives you a call asking for the rest of the information, meaning your bank account number, your payment details, etc. If they are a genuine company, then they should be more than happy to send you an application form through the post.
Also make it a point to ask the person for their complete name and the name of their company. Ask them for their website address so that you can look up the company on line. Moreover, you should completely scrutinize the application form once it does arrive through the post, even if it happens to be from a well-known financial institution, because you want to be comfortable with the company you will be dealing with. Last, but not least, make sure you have all your ducks in a row by inspecting the address carefully.
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