TAMPA, FL–Regent Financial Services, a Tampa-based company you've never heard of, is so impressed with your responsible spending and timely credit-card payments that it wants to reward you with a gold Visa card. "You've maintained an outstanding credit rating, and you deserve to move on up to a higher spending limit and lower interest," the unfamiliar firm gushed in a mailing received by you Monday. "Sign up today and 'Go Gold'!" A spokesman for you confirmed that you remain $8,000 in debt on your current Visa card.