Over at The Consumerist blog, check out the important warning Watch For Baloney "Reservation Rewards" Charges On Your Credit Card. Companies, including federally-insured banks whose regulators should have them concerned with "reputation risk," form partnerships with often-sued marketers including Trilegiant (see 2006 settlement between 16 state Attorneys General and Chase Bank and Trilegiant. Chase has recently been accused of continuing these practices anyway). Another firm in the biz is the ever-morphing Memberworks (is it now Vertrue?). The companies and their partners exploit gaping loopholes in the porous 1999 Gramm-Leach-Bliley Financial Modernization Act which "allow" them to share confidential information garnered from account relationships with the telemarketers. The club purveyors then claim the right to bill you based on either a "one-click" look at their pages or, in the offline version of the scam, after you cash a teeny $2.37 or so check that arrives with your bill. In either case, you've "signed up" for an often useless but expensive $10-$15 month club membership. Insist that your credit card company remove these charges.