What irks me is how the company obtained my details and proceeded to process the card without any consent whatsoever.

I suspect this is possibly a mass exercise following the relaxation of annual income rules, as the card has a credit limit of $500. With this one-size-fits-all rule, Diners has decided it can do away with making time-consuming sales pitches as basically anyone with an untarnished credit history is considered eligible for the card, regardless of how much they earn. With an aggressive recruitment exercise such as this, could students possibly be among the recipients and have a card in their possession without their parents' knowledge?

In the event that the recipient chooses to reject the card, he will have to cut the card in half and return it to the bank - since there is no postage-paid envelope included, the recipient will have to go through the inconvenience of mailing back the rejected card.

There should be an official watchdog to ensure that such practices do not recur. This is random hard sell at its most intrusive.

Many of us are already resigned to having to contend with frequent phone calls from credit card issuers encouraging us to sign up with them. Now it has gone one step further with unauthorised and unwarranted issuing of cards.

Cheryl Sim Yin Cheng (Ms)