Has anyone wondered why Chase did this offer in the first place? After you add in the cost of the credit card transaction, postage, phone card, and TC processing, I'm sure we're looking at $20 minimum. And for that, Chase doesn't make one cent. Certainly they're not as dumb as we might want to believe. All I can see that they might get is some good advertising press, and even that is only among us, and certainly our motivation is to pad our bottom line, not Chase's. Now Chase has killed even that with the letters they're sending out (at even more postage costs to them). So what is going on here that I'm not seeing?