Offers that promise to get you a credit card regardless of your past credit history or your current financial situation may just be smoke and mirrors. These promotions often require a large processing fee before they will approve your application. The catch is that the once you pay the fee the company vanishes - with your money. The damage could be extensive if your personal identification information is used to steal your identity. Use caution when dealing with a company that:

1. Guarantees your approval without a credit check or regardless of your credit history
2. Has an international address or phone number
3. Asks for money upfront
4. Requires that you wire money business or individual
5. Has a recorded message at the posted phone number directing you to call a difference number