I was also ripped off by capital financial card by there slick misrepresentation and put a stop payment through my bank. Now they are doing so called business under the name of american financial card.And the reason I found out was because my on-line banking showed a charge of $30.00 so I called American financial to find out who they were and they said they use to be capital financial.I called my bank to ask why they paid them after I put in the stop order and they said they changed the amount $90. to $30.even though the referance number were the same,so I should have and will close my bank account.