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A) An applicant is 18 years of age or more. [link widoczny dla zalogowanych] According to complaints received from the public, the callers have accurate data about victims, including Social Security numbers, dates of birth, addresses, employer information, bank account numbers, and the names and telephone numbers of relatives and friends. How the fraudsters obtained the personal information varies, but in some cases victims have reported they completed online applications for other loans or credit cards before the calls started. Interest rates on credit cards can be up to six times the interest rates you could qualify for through peer-to-peer lending. If you already have a credit card and you take out a cash advance against your credit, most credit card companies charge an even higher interest rate on cash advances than they charge for purchases. The real catch is that most credit cards wont allow you to pay off your cash advance until youve paid the rest of your balance. For example, if your usual credit card interest rate is 20 percent, your credit card company might charge you 30 percent interest for a cash advance. Furthermore, the company wont allow you to pay off that cash advance until you have paid off the full balance for which you are paying 20 percent interest. This means your cash advance will sit and collect interest at a much higher rate until you can pay off all of the charges on your card that are not from cash advances.