Credit Cards --- Get your deal here... RIGHT! (bs)

So I get this call from "Jennifer James" of Citibank/Platinum Card "Protection". They want to send me a "package" to review (which by the way means I have to sign up for!) that will only cost me $0.85 per month of $100 of balance. -0- I decline (I can actually do the math) and she gets really indignant... "why wouldn't I want to have "Protection".