I don`t know how this rip off co. got my credit card info. I have used this card to buy some things from the internet. I didn`t check my bank card for five months, when I did I had all these unauthirized charges and no money on the card. I filed a complaint with the walmart card company. They sent me a form to file a dispute, in the same letter was a letter denying my claim. I called the credit card company and told them that they had denied my claim before I filed it. After I filed the claim I got a letter with the same form denying my claim again. Same form letter.