Court of Appeals for the Tenth Circuit August 14, 2006, 05-8067 (United States v. Valerie L. Schuler)

McKAY, Circuit Judge.

“Credit Services guarantees that you will receive Credit Cards with a total credit limit over $10,000.00.... Plus receive your choice of a guaranteed unsecured Visa, Mastercard or both. No credit check or security deposit. No turn downs! Our banks are waiting!” And so Ms. Schuler’s promises rang, enticing individuals through advertisements in various tabloid publications. Ms.