Marketers behind the "Platinum Trust Card" and the "Express Platinum Card" can never sell credit cards or make cold calls again, according to the Federal Trade Commission. According to FTC officials, a Philadelphia company operating under the names Apogee One Enterprises and Marquee Marketing used telemarketing services to pitch platinum credit cards that they claimed would work with merchants who accept Visa, MasterCard, and American Express. FTC investigators learned that the marketers called consumers who had applied for payday loans online, promising instant credit limits of up to $9,500 in exchange for a $99 advance fee and a $19 monthly fee. However, the card's customers learned that they could only use their new credit lines at the card's own online store. FTC officials told reporters that the marketers sold "off-brand, overpriced products" and failed to honor promises to report cardholder activity to the three major credit bureaus.