Lately, I have been receiving phone solicitaions from ANB literally almost every other day. Most of the time the solicitations are for the same products or services. I have repeatedly told them that I am not interested in these products, yet I still receive frequent calls. What irks me the most is the fact that I have been told that I can be charged for these products and services after 30 days if I agree to look them over, even though I never activated the account. How can a company post charges to an account that is not even active?! Do not be fooled by The Associates National Bank. I have heard nothing but bad reviews for this company on this message board. They have terrible rates and absolutely no leniancy with late payments. Plus, the "special offers" they provide through their constant phone calls are not really good deals. Often, you will end up paying for the supposed "free" products or services in full if you are not able to cancel your membership within thirty days of acqusition.