over the phone. Or am I wrong here? I got a call a few months ago from LL Bean offering me their card because I had ordered something from them this past spring. Then today, I got one from someone supposedly from Bank of America. Do they really think I'm going to give my SS# to someone's who's phone # comes up as Private on my caller ID? Of course, I fended them off by asking if she could beat 4.99% fixed APR (Capitol One is advertising that rate for their Platinum card). Of course, she said no, and that ended that conversation. Uggghhh, this must be their last ditch effort before the Do Not Call list goes into effect.