"Dear JIM ROEPCKE,

To help you start taking advantage of your American Express AIR MILES Credit Card membership, I'd like to bring to your attention a unique savings opportunity available to you - Balance Transfer Cheques."

Wow, thanks American Express! I'd like to transfer ALL of my credit cards to AMEX, since I've never applied for and have never received an American Express card!

This is great, I have four Balance Tranfer Cheques, so I'll be able to pay off all my credit cards using free credit from AMEX! Since I've never applied for a card, I certainly have never agreed to pay off any balances that those cards given to me might incur...