My sister signed up with them under the guise of building her credit, having had an account closed during hard times. She has since paid off the debt to her old bank, and is trying to reestablish her credit foundation. After receiving her card (to which I was immediately skeptical about, having no approval procedures other than "give us your billing information, and we'll handle screwing you-er, .. I mean "the rest"), she was instantly discouraged by their charges for *everything, charges for customer service, charges she says for cancellation, charges for the "privilege" of letting them play with your money until you use it. *Garbage. This is not a credit card, it is a VISA *Debit card which has no affect on your credit positively or negatively. *Useless. She was charged $10.00 for sign up (on a website that makes a killing (I bet) on the sales pitch "FREE SIGN UP, *INSTANT APPROVAL". I will be looking into helping her cancel it, (in the terms and conditions, . it mentions calling/writing them to withdraw consent). Needless to say I am disgusted that companies like this exist to prey on those already in trouble, it makes my skin crawl to think of their grubby hands counting this money at night. Hope you are sleeping well you ###.