Guaranteed Unsecured Credit Card Offers - False Advertising?

A guaranteed unsecured credit card offer means you have been pre-approved for a card without having any collateral to post. While this is not technically false advertising, it is highly risky to accept this type of offer. These cards typically come with very high interest rates and prey on individuals with bad credit histories.

Offers to Avoid

Avoid credit card offers you receive by email or through online pop-up ads. These offers can be placed by hackers looking to gain access to your personal information. If you are not directly to a secured site, do not consider providing even your name. Hackers can get into your computer using very little information once you have used your personal computer to access their site.

Find the Right Card

You can still get safe, unsecured credit cards through many issuers. You can determine if an issuer has good business practices based on the Fitch rating, Standard & Poor's rating and other systems that rate financial institutions. You can also use online reviews to avoid credit card scams. Research any offer that comes your way before considering opening a credit line. This will protect you from both identity theft and bad lending practices.