I got a letter from Kerrville Texas Chevy dealer Cecil Atkinson. They sent me a neat certificate telling me that I was "PRE-APPROVED" [emphasis theirs] for $29,851 towards a new car. The cover letter said that the considered me "blue chip," and that because of my "excellent credit rating" yada yada yada.

It's obvious that they haven't been chatting with Discover. Next time Discover Card calls me when I'm two days late with my payment, I'll have them call Cecil, and he can set them straight.