a guy named santos runs a scam. they say they will reset your card balance for a percentage of your credit limit. what they do is set-up a payment to your card account that will be returned. in the grey area between the time your account is credited and the check is returned they will run a charge against your card. this charge can be in the thounsands, you will end owing more. one for returned check fee and then for the charge they pit on your credit card. they are a scam they will post on backpage and other similar sites.