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Posted By: Misunderestimated

If I think the person is merely ignorant and really wants the card I might take the time to explain why the offer is way off base.

If I believe that they are intentionally trying to "cheat me" or annoy me I would be very very curt-- "No thanks."

I wouldn't be insulted in either case -- I think irritated or annoyed better captures my feelings or even surprised if the offeror was someone I had thought better of.