Chad's right -- tell them to f off.
yea i didn't even bother fighting it, i'm buying a new guitar and wanted the 12 months no interest. I just applied for a chase slate card instead that has 0% on the balance for 12 months. Pretty fricked up though. The really fricked up part is that i have a best buy visa card that is HSBC that i use for everything and never make a late payment and put at least 5-7k on a year.