They also called me 3 days in a row. I answered on the third day, and was horrified to learn that they not only had my phone number and full name, but also the last four of my credit card and my complete home address! They offered the same program everyone else here has described, and then THEY ASKED FOR MY DATE OF BIRTH!!! I realized that it was nothing more than a phishing scam, and told them to pound sand. I suggest everyone else do the same.
Pros: NONE
Cons: Phishing scam, very dangerous
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