I'm not sure what it is with credit card companies and their payment protection plans but activating your credit cards these days just got a whole lot more annoying. Before, you would call a toll-free #, enter your new credit card number, and voila, your card was activated. Everything was automated and it took less than 5 minutes. I guess not enough people were signing up for those stupid plans cause now they're then connecting you to a customer service person who recites the whole stupid spiel (which takes like a good 5 minutes or so) about the plan and then words it so that you have half a second to reject their offer. I feel bad for the people who have to recite this stuff to us customers every time (cause it really is a long-winded speech they have to give) so I usually let them prattle on until the very end when I tell them I don't want it. They're just doing their job after all. At least they haven't gotten around to being very pushy about it when you reject them.