Hands down has to be CITIBANK, although I am quite pleased with their cards and overall service, they call atleast once a week, usually once to talk to me and the other to talk to hubby. Sneaking in at strong second has to be Discover, I have only had their card for 3 months and they have called 3+ times already grrrrrrr. Now my all time favorites Don't laugh , but providian has NEVER called me to solicit anything at all for over 2 1/2 years. And Amex has never called me to solicit either, however they have tried when I have called to talk with them regarding and account issue. So who gets on your last nerve???????