when we initially signed up for a citicard mastercard credit card they offered the credit protector service to us with a $15.00 check to try it on a trial basis, and we could cancel within a 28-30 day period. after we received the $15.00 check in the mail and cashed it, we immediately called to cancel the credit protector trial service, and ofcourse they offered it to us at a lower rate, but we still declined and DID cancel this service before the trial period expired. unfortunately we didn't notice the charges for this bogus service on our statements after a few billing cycles, and were still being charged for it after we did call to cancel. when we did call back again to try and cancel it again and get refunded for the charges, they informed us that they did not have any record of us calling to cancel before the trial period expired. it looks like they got their $15.00 back and then some. DO NOT SIGN UP FOR THIS SERVICE! IT'S A SCAM FOR THIS CREDIT CARD COMPANY TO GET MORE MONEY OUT OF HARD WORKING CONSUMERS! if this happens to more people hopefully a class action lawsuit will be filed against these scam artists!!!