Three times he told her no. What part of no did she not understand. I thought this type of sneakiness is what got Providian in trouble (class action) suit in the first place. I will be keeping track to make sure no charges for this end up on his statement. I know Cap 1 will try to sell you stuff like this, but when you say no, they usually do not go into high pressure mode (at least not when I called). I guess you need credit card protection to protect you from Providian themselves.