How not to apply for a discount or rewards card

I don't know about you, but I have a lot of trouble trying to do almost anything on the internet so I avoid it by asking my daughter, Michelle, to do it for me.

She is a Web Master and knows more about navigating the web than I ever knew by clicking on the small 1/4-inch square icons with their universal symbols that don't give me a clue about what they do.

Last week is a good example. I ordered a new bundle of services from my cable company that included digital telephone, high-definition TV, and gee-whiz-super-wamo-high-speed internet service that came with a promotional offer of a $300 prepaid VISA rewards card.

After the service was installed, I called the company's...