Sent_en: 2ms Included in the criticism was the practice of mailing checks to card-holders, failing to notify applicants that obtaining additional cards could lower their credit score and raise their rates, and "ambushing" card-holders with raised rates.
Sent_yy: Termasuk kritikan dalam mempraktik untuk menyemak emel kepada pemegang kad, gagal untuk memberitahu pemohon bahawa menganbil kad tambahan mungkin mengurangkan skor kredit mereka dan menaikkan kadar, dan "menyerang" pemegang kad dengan menaikkan kadar.