Tuesday, September 30, 2008

Credit Card Home Business: Watch Out!

By David Gates


Home business opportunity scams abound in this slow economy. Having recently become a victim of such a scam due to desperation of being out of work for eight months, I took a leap of faith and researched many of the \"business opportunities\" listed on several job sites.

Many of the work-at-home jobs include data entry or accepting diet orders. The biggest draw of all (and what makes them seem legitimate) is a guarantee. If it doesnt work, your money will be refunded. The testimonies appear promising so what could go wrong? Thats what I thought!

I spent days researching several ones. I focused one those that did not sell just the software to show you how to make money at home. But actually stated that I was working for them and all I had to do was go to their website and pull data to enter into forms. Sounded easy enough.

The one I chose had the aforementioned guarantee plus I was one of the first several callers so I received a special discount (or so I thought). What I really got was not at all what Id been promised. I knew Id been scammed as soon as I give my information (including my credit card account information). I shouldve known better.

My job was to promote credit cards on a website that I was to enter into hundreds of search engines and through other online media. I hadnt been told that before, nor had I been told I had to apply for several credit cards and that only after I was approved for them would I get paid $20 for each of them. Even that turned out to be elusive since I had to earn $500 first.

There was also another excuse for why I couldnt yet get paid. I couldnt reach anyone at the company in person. I could only go through email where I usually got a preprogrammed response. It was impossible to get any real answers.

I repeatedly requested a refund to no avail and finally tried to call the number that was on my credit card bill. It was based in Australia and the voicemail requested to leave a message and someone would get back to me. This never happened as well. I ended up filing a fraud complaint with my credit card company and currently await a credit to my account.

I am utterly humiliated to have fallen for such a con. I am college educated with several degrees. Desperation will cloud one's mind and lower defenses. I have no problem working hard for my money and did not count on it being \"easy\" money. I just assumed you only would make as much as hard as you worked whether it was three hours a day to 10 hours. I write this to remind others as well as myself the sound advice that if it looks to good to be true it most likely is.

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