I'd heard about this on Fatwallet, and am now in a position to pursue it. It's available through Citibank credit cards--I'm not sure if others have a similar thing. You sign up for the Credit Protector program, which is designed to help you pay your credit card bill if you are disabled, called up for military duty, etc. After the 30 day intro period, they start charging you 85 cents per $100 of your balance.

Not a great deal at all, if you are carrying a balance. BUT--normally they give you a $15 gas purchase rebate for joining. Right now it's a bit better, $20 back on any purchase at a store. Then when you try to cancel, they keep offering you more $15 gas rebate offers. Still not great, if you are carrying a balance. But if you aren't actually using the card, and there's no balance, you are getting $15 back every so often, for no cost whatsoever.

Since I'm not planning on using the card after this billing cycle (and after I get my last rewards check), I can finally take advantage of it.

FYI--The offer showed up for me three different places when I went online to check my Citi account today, at different times. Once along the right side with some other offers. Once on the screen that came up after I logged off. Also through the link that says "today's special offers."

Baselle--Thanks for your comments. I don't think I've been too extravagent, either, glad you reinforced that. Although I don't really feel guilty about this spending, I just feel kind of guilty that I DON'T feel guilty, if you know what I mean.