I just got a call from MBNA - apparently I'm pre-approved (!) for a Platinum Plus Mastercard. I've already got a Plat Plus Visa. They're offering 3.99% for 4 months, then 14.99 same as the other one. I went ahead and did two balance transfers, but I really don't think they're going to open another account. Has anyone else gotten a call like this? What was the result? Thanks.