capitial credit send me a thing saying i had 8500 dollors credit that i could use any way i choose untill i get the member ship package that cost me 200 and then the catologe is so high who would want to order from them not saying u cant get thru to any rep. to answer any of ur questions.i lost 200 dollors for something i thought i would be able to use for my christmas shopping well someone else had a good one thanks to this rip off