I just recieved a call from some company, of which I didn't pay attention to their name, calling to inform me that the laws had just been changed concerning my protection for unauthorized use of my credit card. They stated that I would only have two days to report any unauthorized use after the occurance of the misuse! They were offering a 10 year coverage for unlimited time to report such a misuse,all for the ridiculous "low one time" price of $295.00!!! She asked me for the 1-800 customer service # on the back of my card,at which point I explained in detail what I thought of her current state of mind. Come on Travis or any other of you legal professionals,LMK if this kind of thing is fruad or what.