This is not SPAM. Its a credit card company that offers cards to people with bad credit to help them rebuild it. The interest is high and there are a lot of fees but if you are responsible, it WILL help you increase your score and obtain other credit card accounts
They offer individuals with bad credit - credit cards, unsecured, of course at a high rate. Sometimes they call to remind you your payment is coming due. Legitimate company, good to rebuild your credit.
This might be continental finance calling you about some debt collection.