I laugh out loud at card offers with fees, now--even my first card, with a $600 limit and 18% APR, had no fee.

I don't mind credit offers in general, as I've gotten some good ones--but Providian seems to be sending me one at least 2 or 3 times a month. (And they're barking up the wrong tree if they're out for folks with poor/no credit--the only way mine could be better would be if I had less college debt and more years of credit history.)