If it ain't that, it's for life insurance. Or possibly for long distance calling. And they certainly do their best not to take 'no' for an answer.
Last time, I was adamant about having the nice young man explain to me exactly how it was that I was going to be saving money on my long distance calling when, oddly, it sounded to me remarkably like my monthly bill would increase. He ended up hanging up on me. I guess my formidable math skills were just too much for the poor guy.
Anyway, I'm tired of getting these calls from them. I asked straight out whether I was receiving this call because I had an HBC account - she said yes. "Well," I said, "I'll have to remedy that."
Next steps - redeem any points, then cancel that card.