Non - professional act of credit card trying to rip customers off

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I want to share the recent incident that my cousin told me about her credit card company. Her credit card company hired this third - party company to sell customers credit protection plan. This third party company called up my cousin, and ask her to verify her name and address that she really belongs to this credit card. My cousin on the phone question this person, she won't need to sign up anything that cost her, and the person told her that she just need to send her this brochure about how great the protection plan, and she doesn't need to sign up anything if she choose not too. On the next credit bill comes, my cousin was charged with this credit protection plan fee already. So she called the credit card company, and the representative told her that if she verify her name and address, she is automatically signed up for this protection plan. What a dirty trick. Now, she wants to cancel this plan through the phone, and they told her that might take up to 1 to 2 months to process it. What in the world, it only take 10 seconds to automatically sign my cousin up for this bullsh*t plan, but takes 2 months to get it cancelled?