If called by a merchandiser, you should be skeptical of all of the following except:
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the second option is the correct answer i.e. a business you have never heard of.
If called by a merchandiser, one would be skeptical or have questions to ask for all the other three options i.e. a last chance offer, a requirement for a small down payment and lack of a written contract. However, in the case of a business never heard of, one can directly reject the offer by the merchandiser. All the others are negotiable options but if a business has never been heard of, its offer can be outright rejected also.
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