i never bought a single credit, i level 85 and a bubble gum legend. they started begging my ass back around level 80 while i was still a TM.
There just desperate and will ask anyone i guess, either that or they want to know all about you for the filing cabinet so they can document you as a payed up prole and then come in the night for you with rubber heels when youre asleep ( around 3am is best ) and next thing your on a cattle wagon to the gulags. your choice, i made mine
** edit Oops forgot the :-)