caller: hello Ms. Reef, my name is Blah Blah, and I'm calling from blah blah, the reason for this call is to offer you our creditcard... me: I'm sorry I just applied for a mortgage and I am not in a position to take on more credit....caller: No Ms. Reef you are not applying for this card you are already approved. there will be no credit checks, no application ect....me: I'm sorry, not today sir...caller: MS. REEF, ARE YOU AWARE...that nextcard went out of business...me yes sir I am very aware of that thank-you....Ms.Reef,are you AWAAARRREEE, that you are still RESPONSIBLE for the balance on your nextcard account?????....me: yes sir I am very aware of that also, caller: I am offering you a one time offer...7% BT till the balance is paid...me: woohoo, what bank did you say you were calling from??? caller: Aspire (proudly)...me: click.... coral