You are correct about misleading and allowing consumers to believe, through strategic wording that thier credit score would not be affected..also in their rebutle against the other complainer, they are misleading saying your credit rate wont be affected. When you actually wont know your true credit rate until the do the hard hit. They get 5.99 percent in fees off the top..and your credit rate could be higher than your existing credit card rates as much sd 29.99 percent. I am happy the other person posted the info...I chose to not sign up. All I can say is read the entire paper before signing up.