At leat twice a week I get the same email offer from Nextcard promoting their credit monitoring service. It always starts of with "We know it's been a while since you've heard from us, but we couldn't let these unique opportunities pass you by" Same offer at least twice a week. That, and the bit about 2.9%. They gave me 18.9% when I applied. Admittedly my credit isn't great, but do they need to keep reminding me?