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THIS CALLER KEEPS CALLING IN THE MORNING,AFTERNOON,EVENING HOURS AND WON'T STOP,EVEN AFTER YOU DO MANAGE TO CATCH SOMEONE AND TELL THEM TO STOP CALLING DUED TO NOT HAVING ANY CREDIT CARDS. THEY MIGHT BE INVOLVED WITH IDENTITY THEFT OR CREDIT CARD THEFT WANTING PEOPLES CREDIT CARD ACCOUNTS. THEY WILL EVEN SAY,THEY'LL REMOVE YOUR PHONE NUMBER FROM THEIR CALL LIST AND THAT IS WHEN THEY CALL MORE OFTEN. IF ANYONE DECIDES TO FILE A CLASS ACTION LAWSUIT,I HOPE THEY SUE THE HELL OUT OF THEM. IT IS HARD FOR ME TO SLEEP AT NIGHT,SO I RELY ON MY MORNINGS. BUT THESE PHONE CALLS FOR SOMETHING I REQUESTED TO STOP POLITELY,THESE PEOPLE NEEDS TO FACE EVERYTHING THEY GET! I AM TIRED OF THESE CALLS,I HAVE FAMILY AND THEY ONLY CALL IN EMERGENCIES. I AM PERMNANTLY RETIRED AND MY PAST CREDIT WAS INSURED,SO THEIR INSURANCE AGENCY SHOULD HAVE COVERED MY ACCOUNTS THAT WERE KEPT UPTO DATE. SO NO ONE SHOULD BE CALLING FOR ANY CREDIT CARD ACCOUNT. IF THEIR INSURANCE AGENCIES DIDN'T PAY THEM,THAT IS THEIR ISSUE! CREDIT CARDS SHOULDN'T OFFER INSURANCE ON THEIR CREDIT CARDS IF THEIR INSURANCE AGENCIES AREN'T GOING TO PAY UP. THOSE CREDIT CARD INSURANCE AGENCIES AREN'T CHEAP AND THE CREDIT CARD AGENCY CHARGES YOU MONTHLY. SO THEY SHOULD STOP OFFERING CREDIT CARD INSURANCE ON THEIR ACCOUNTS IF THEY AREN'T GOING TO USE IT LIKE THE POLICY STATES.