like so many others I have been ripoff by freedom resource with the promise of a credit card,221.95 was debit out of my bank account on 10/23/02 after many calls to this company i still have"nt recevied the credit card.When I request for a full refund a refund request form was sent to me , I returned it and i still have"nt recevied my refund.I have made many calls sense and can"t get thru to anyone.