 They also make promises to delete "negative mark from the consumer's credit report" if a payment is made without informing the consumer, that making even a token payment revives the "statute of limitations".Credit card companies purchase charged-off debts and add them to the balance of 'bait-and-switch' credit cards that consumers unknowingly purchase because they are low-rate credit cards.Consumers also complained of being verbally abused, harassed, "cursed, berated and called repeatedly despite requests to stop."