Capital choice consumer credit is full of horse s**t!
Just like the rest of you all I received a bright yellow letter informing me that I have a credit line for 5000 bucks. I was very hesitant at first.
My credit is s**t, straight up so I knew no reputable credit company would give me a credit line for $5000. Decided to read the back page - with the font size being about a 2 and light, light gray letters - and discovered it's not a charge card but a card where you have to buy there merchandise and get this they do NOT replace lost, stolen or damaged cards!
They also do not give you a phone number to call them so that should be an indication they were full of s**t. Reading these posts I see that I was correct.