I have to agree with gdale and Norman. With a statement like that they are basically stating they are going to rob you. Definitely payday loan status.
The letter with my offer has long been destroyed, sorry.
I suspect they are coded to a specific individual and cant be transferred.
You might try just looking raound on their website.
the response you give is awesome. I was about to do the same thing not build my credit but to catch up with bills. You are right, you can't response to negative thoughts. If you do you get a negative result.
"'this is an expensive form of credit and should not be used as a long term solution'."
That should tell you everything you need to know. Run fast, run far.
If you need an installment loan for score purposes do a small share secured loan from SDFCU or other similar CU.