Who Are You

So I get an unsolicited "pre-approved" offer for a MasterCard in the mail today.

They were reasonably upfront about the interest rates. They touted the fact that they didn't engage in Universal Default or Two-Cycle billing. And they listed a whole raft of fees that come with doing this or that - it seemed to be a fairly complete list. And they had a nice selection of different card patterns that you could choose from. And you could sign up for some nice perquisites. And it even has no annual fee (although most cards these days don't).

Only one thing was missing - the actual lending institution.

Shred.