I received my card on Oct. 20, 2007, called their customer service [protected] on the following Monday. Representative gave me a hard time about getting refund back ($79.95). They give you the run around about how good they can help you with your credit and all the services they provide which is crap. After getting frustrated, what part of I DON'T WANT YOUR SERVICES, I JUST WANT MY REFUND. After hanging up on them, they called me right back and left a message that they cancel my card. Three days later they refunded me back $59.95 into my account. Still lost $20.00 and for what, a bad decision.