Because of your excellent payment history on your current credit card, we are happy to offer you our new card, we can transfer your old balance to your new card and you will be paying less interest rate. I see two maybe three major flaws in their statement. First, I have no credit cards. Number two with no credit cards how can I have an excellent payment history. And number three I file bankruptcy a couple of years ago so there is another flaw to their thinking. Just block them!!
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