Did you know that you have invited your credit card company to drop by your workplace? or to swing by the house for a visit?

Are you one of the many people who use caller ID to decide when to answer the phone? Did you know you gave your permission to be “spoofed” – have the caller id tell you the call is form someone completely different?

While this latest example is referring to Capital One, the same could be true for any other business. When was the last time you really looked at that user agreement?

Capital One says it can show up at cardholders’ homes, workplaces – latimes.com.

By the way – all of this is not generally considered a scam, it is legal under most current laws. It is your responsibility to know what you are signing.