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dats true ,., , nowadays offereing free credit cards, tours, insurance plans and other gifts have become a common marketing gimmick ., ., it is always safer to get things authenticized in hard form before falling prey to such acts of fooling people ., ., i guess you dont need to worry if you have the terms and conditions in print form stating that it was offered for free to you since you are a doctor .,. , u can challenge them .,. , u could even ask them for investigation of the telecall u recieved wen the offer was made to you for this purpose, provided u remember the day/date, approx time and name of the telecaller ., ., although it will be a slow process but if things fall in place u will get justice ., .,