A major credit card company has changed their rules with cardholders that allow them access that not even the government can have without obtaining a warrant from a judge.

Capital One issued an update saying “we may contact you in any manner we choose” and specifies that in addition to calls, emails, texts or faxes the company can pay you a “personal visit.”

The visits are specified to be both at the cardholder’s home or their place of employment.

Government organizations such as the Internal Revenue Service are prohibited from visiting your home without an arrest warrant.

Lawyers specializing in illegal-search cases say the Constitution only applies to law enforcement so it’s unlikely that anyone will be able to stop Capital One on grounds it violates a citizen’s Fourth Amendment rights.

The company’s agreement also states they are allowed to use fake Caller ID information in attempts to reach consumers.  That means they can create bogus charitable organizations such as Disabled Children Fund and use that to identify themselves on home and cell phones.

Capital One officials say that despite the ominous language in the agreement, they will not be visiting the homes of customers unless the items are large ticket items like snowmobiles or Jet Skis.

A spokesman for Capital One said they are reviewing the language.