You agree to take out a credit card from your local bank based on what appear to be very reasonable terms, but later you receive additional information in the mail regarding less reasonable terms and interest rates being applied in six months. You have succumbed to the compliance strategy known as the

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The lowball technique involves initially offering a deal with attractive terms to get agreement and then changing the deal to less favorable terms after the initial commitment is made.

You Agree to Take Out a Credit Card from Your