Gaurav Sabnis's post Revenge is Sweet reminded me of this .
I have had instances of these credit card guys calling up an offering a loan at exorbitant rates.Couple of times when I had time on hand , I just checked out at what interest rate they were offering he loan. The usual answer used to be 15 % to 20 % per annum or more. At that point I used to make them an offer that I will give you the money on loan and would be happy with 1/2 of interest rates they were charging. Immediately the phone gets disconnected