I had a call from a young lady by the name of "Sherry". She claimed that she is working with DRS (Dynamic Recovery Services) in an effort to collect a $610 debt from "First Premier Bank". I informed her that this bank made charges to me that I did not charge. Since I did not use the card, this First Premier Bank added charges each month for non-usage. She informed me that I should have read the fine print before accepting the card. Ok, granted I should have. She was quite persuasive indicating that DRS will use other ways to collect this debt if I do not respond within 24 hours. She tired hard to get a "credit card" from me. Now why would I give credit card information to pay for another credit card that I have disputed? Wow! these guys know how to use a few scare tactics but, they have to be a little better than this when I know I don't owe.