In my e-mail I found an invitation to apply for a credi card with $ 1,000.00 limit. They require a deposit of $ 29.95 and $ 19.95 every month for maintenance fees. Sound to me acceptable and I gave my debit card number. The same day they collect $ 29.95 . OK. Three weeks later I am still waiting for the promised credit card. Of course I will go to my bank a put a stop for eventually future debit on my account toward the company YESCARD.