Over the last week, we've received numerous phone calls from Kohl's, the department store we occasionally shop at.  We last received a call last December when my wife's account was overdue.  But we know we're current on the account, so we did not answer the phone.  We figured it must be a telemarketing campaign, especially since they never left a message.  Finally, curiosity got the best of my wife, and she answered the phone last night.  Well, it seems they were just reminding us that this month's bill is due in a few days, and they offered the service of paying over the phone.  My wife found out there is a $10 charge for pay-by-phone, so she declined and let them know she'd pay over the web in a day or two.