I AGREE WITH ALL THE COMPLAINTS ABOUT THE FRAUDULENT ACTIVITIES BY THESE COMPANIES. I'VE BEEN BURNT TOO. I HOPE WE CAN RECTIFY THIS CRIMINAL BEHAVIOR. THEY SHOULD BE SHUT DOWN. WHY ARE OUR CREDIT CARD COMPANIES HONORING AND SUPPORTING THEM AS CLIENTS AND ISSUING THEM RETAIL ACCOUNTS TO CONDUCT THEIR BUSINESS WITH THEIR CREDIT CARD CUSTOMERS? IF WE ALL CLOSED OUR RESPECTIVE CREDIT CARD ACCOUNTS PERHAPS THE BANKS WILL REQUIRE FAIR TRADE PRACTICES TO PROTECT THEIR CUSTOMERS.