“ We fundamentally disagree with the FTC’s allegations about marketing terms that aren’t even in use anymore” Two problems: they explicitly dated that people w

“ We fundamentally disagree with the FTC’s allegations about marketing terms that aren’t even in use anymore” Two problems: they explicitly dated that people were pre-approved and then denied them (after performing a credit check that would impact their credit score no less). Second: it doesn’t matter if they have stopped committing fraud, what matters is that they were. You don’t get to use “I’m no longer committing crime” as a defense against accusations that you were committing a crime. There are of course the usual US credit issues - no amount of credit checks of any kind should have any impact on your credit rating, etc