<prompt> Human: My girlfriend just got this credit card offer in the mail from a major creditor. This is absolutely sickening. 36APR PLUS a 49 annual fee PLUS a 10.50month servicing fee - for a basic 1000 limit credit card. Disgusting. She has never made a late payment, defaulted on a loan, or any negative marks on her credit score at all. The company should be ashamed for even sending these offers out. Im sick. For all of those who dont read the fine print, or dont fully understand terms... Please be wary. Ask for help. The world of credit and credit cards is unforgiving and will take you for all youve got.  <response>: Get your name on the no junk mail list at And the credit card offer list at Through this website, you may request to: Opt-Out from receiving Firm Offers for Five Years - electronically through this website. Opt-Out from receiving Firm Offers permanently - mail Permanent Opt-Out Election form available through this website. Opt-In and be eligible to receive Firm Offers. This option is for consumers who have previously completed an Opt-Out request - electronically through this website. 