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A couple decades ago I used to get legit offers from banks or financal institutions on other services or products they offered. They were legit, and sometimes even includes some minor bonus for being a customer (or at least they said so or something was there).

In the meantime I'd get really bad offers (I want to say scam, but they were IMO deceptive) from other places (they were still legit financial institutions) for whom spamming me via mail wouldn't cost them much and they'd make plenty if I was dumb enough to take their offer.

Then I found I got the same, not a scam... but really bad offers from the places that I had done business with for years.

It really irked me when I'd get those fake check (actually a loan) things from a bank I'd been with for ages...

Eventually just said screw them and to a credit union who just keeps mailing me about local discounted baseball tickets. I can handle that.



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