That one bugs me a lot. I get a credit card call every day from a different number that's close to my phone number.

I wish credit card issuers would end their affiliate programs.

If they don't want to end the programs, they could at least clean them up. If I answer one of the Rachel calls and take them up on their offer for a different card, the credit card company should be able to track who referred me to them and close their account. But the incentives are all wrong.