We’re A Bank. FU Peasant!

Y U No Read Rules


Credit card issuer Capital One isn’t shy about getting into customers’ faces. The company recently sent a contract update to cardholders that makes clear it can drop by any time it pleases.

The update specifies that “we may contact you in any manner we choose” and that such contacts can include calls, emails, texts, faxes or a “personal visit.”

A personal visit?  Oh yes, they apparently go on to tell you that this “visit” could be to your office.

Capital One

Now that would be just dandy, right?  Your card company shows up at your place of employment?  Gee, that might not get you fired.  Oh wait….

But it gets better:

“We may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”

In other words, while contacting you they can also lie about who they are.

Is this illegal?  Nope, not if you consent to it.

Now there might be a violation of anti-harassment laws and similar somewhere, or a fair credit problem at some point, but that’s not the issue.

The issue is this: You are consenting to this company engaging in deception on an active basis when you accept one of their cards.

So why would you want that “in your wallet” when by having it you’re inviting the company to actively deceive you?

The company tried to claim that it really didn’t mean what it said when the LA Times called them.  Well, if they really didn’t mean it why did they put it in their contract terms?

Just like the guy who is standing there with a literal smoking gun says “I didn’t shoot him!” and you believe him despite the smoking gun….. right?

What’s NOT in my wallet?

I’ll give you three guesses but I suspect you only need one.

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