Credit card issuer Capital One isn't just showing up in your wallet. They may show up at your front door or your office. 

It's not a funky new ad campaign, it's actually part of their new terms of service agreement. The actual wording reads "We may contact you in any manner we choose." That means calls, e-mails, texts or a personal visit.

David Lazarus, consumer columnist for the LA Times pointed it out in his recent column and he joined us to talk more about it.