According to the seemingly-innocent envelope sitting on your kitchen table, you’ve been pre-approved for a new credit card. The bold type, flashy colors, and excited exclamation points lure you into a daze. You are The Chosen One. Obviously, the credit card gods have singled you out as someone worthy of high rewards and low fees, someone who deserves free trips to Ibiza and back on the 25,000 miles you earned shopping at the grocery store. Or maybe, just maybe, you haven’t been chosen at all.
Maybe you’ve been targeted. [Read more…]