I am sorry for such a delayed report but I was scammed several years ago by these guys. They ask for a deposit of 6000 dollars and then essentially ruin your credit by not paying or contacting the credit card agencies. I was furious since I had the money to pay off my debts. These guys really screwed up my credit and then coerced me into signing an early termination because I had the money to pay off the credit card agencies. Essentially, I lost my credit and my deposit.