On December 22, 2008 I received a phone call and was told I was a valued Visa card holder and described a program they were offering to preferred customers for $1.95 at no risk with a 10 review period. I was also to receive a $100.00 gas card as well as other incentives free of charge. I was to receive a packet explaining the program to go over and make a decision as to whether I would keep the program or cancel. This packet was to arrive at my home within a few days. I never received this packet until January 14, 2009. The $1.95 wa... read full review »