These bunch of bozos called me twice, yesterday and today.  I ALWAYS have a healthy apprehension to any credit card companies.  Just a few questions to them, like do you have my contract available (yes they did, could they fax it to me?  No they couldn't, could you show me the EXACT date where I have been overbilled on my account, no they couldn't but they COULD do that if I faxed them my monthly bank statement - ha!  Fat chance!)  Ask a few questions of these crooks and you won't get taken for a ride!