Same crap here!

I keep hoping that my time will run out for this "fabulous" offer - and that one day I will be just beyond the date and they will stop calling to make this "fabulous" offer to me.

Then I won't have to spend life in prison for driving to this buttmunch's office, kicking in his door and running the small end of a shotgun up his hind end with no grease...

...pulling the trigger is optional.   But it does occur with high frequency in most of my daydreams.

Repeated calls from a "Credit Card Center" warning me that time is running out on my chance to lower my interest rates.