Or Bearer

Like frightened ducklings we have taken to shredding all the junk mail we receive so that identity thieves can’t get their greasy lunch hooks on our name and address. The quantity has become large enough that we now need to sort through and only shred the pages that actually has our names on them and just trash the harmless prepaid return envelopes and fake credit card looking bits of plastic for fear of overloading the industrial strength shredder at work.

Today, during a quiet moment, I was sorting through a heap of snail spam, and came upon one of those sneaky checks that they hope you will cash and unknowingly sign up for something. This one was from our friendly credit card issuer and was for the princely sum of $20. By cashing this check you would agree to be enrolled in the Payment Protector Plan at a cost of 89¢ per $100 of the ending monthly balance. I’m not sure what the heck the Payment Protector Plan is because I had already discarded the rest of the mailing, but I’m betting I don’t really need it.

What caught my eye about this particular check were the words printed right above my wife’s name, “Pay to Donna Bogardus or Bearer.” So, if I had thrown this bit in the trash and it found it’s way into the hands of a nefarious individual, he would not only have a name and address to do his worse with, but he would be paid twenty dollars for his troubles. And on top of that, we would be paying an extra couple bucks to our credit card company.