I received mail about a new Wachovia Rewards program. Basically, sign up, then every $4 becomes a point. The points become gift cards. So, I dug around until I found the catch. It seems that there is a $12 year fee for joining. Unfortunately, based on my math, It's a loosing deal. Besides, like I care about a $25 gift card, when I also received 3 bounce letters in the mail, totaling $80 in fees? Please, I'm broke, not stupid.