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Peculiar Discover settlement letter


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Received a settlement letter today from Discover. I'm two months delinquent. Wasn't expecting it so fast. It's a curious letter. It offers me their standard 40% settlement AND a "free" 60 minute phone card good for domestic calls. All I have to do it call an 800 number and type in my individualized security code to activate the card.

In tiny print at the bottom of the page, minus the fancy graphics and bold print that make up the rest of the letter is this precious sentence:

Please note: When you call and activate your phone card, you will have also agreed to accept Discover Card's 40% settlement offer.

Um, no thanks.

I do plan to settle the account but not yet.

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