No. of Recommendations: 0
I got those stupid things all the time myself! The ones I really wish I DIDN'T get are the ones from Norwest Financial, now Wells Fargo.

A little over a year and a half ago, I financed some furniture through them on one of those "Make no payments and pay no interest for 6 months" deal. Well, I paid off the loan (around $600) within that 6 months (I actually had the money, just stuck it in a savings account until the 6 months was up).

Since I was such a "Good" customer (although they did not get a single dime of interest from me - I love to use sombody else's money for nothing!), they are so kind to send me these checks that I can use at my convienience! I have gotten as many as 3 of these in a month during the summer. These are not small checks either, anywhere between $500 and $1000. I could have walked to the bank and gotten about $3000 right there, but I did not. The reason being is the 36% rate they were going to charge if I used those checks. That is over 1/3 of the principal!

I DO have a shredder and I may upgrade to a cross cut model when my current one dies! It gets plenty of use needless to say. Having those checks sent to me do scare me for the simple fact that there has been a mail theft ring operating in this area in the past. Fortunatly, those folks did get caught and busted, but not before charging and cashing well over $100,000 worth stolen convience checks and credit cards, not to mention the stolen SS checks and tax refund checks and the occasional paycheck (another reason I have my pay direct deposited).

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