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I work for a credit processing company, and our standard procedure is the customer has to call in for verification if they are approved, before we will open their account to ensure the customer is who they say they are. As for them being better than the mail offers, the mailers are sent by credit processing companies with a "preapproved" notice based on the information that they can access in your credit report. If your credit has changed since the time the mailer has been sent out, you may qualify for a better or worse offer.
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Calling from deep in the heart, from where the eyes can't see and the ears can't hear, from where the mountain trails end and only love can go... ~~~ Three Rivers Hare Krishna
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