I was contacted by telephone to take part in this credit card that would improve my credit, supposedly. After several phone calls of me telling them no, I finally gave in. After agreeing to do this, I was once again was reluctant because they wanted to deduct $296 dollars from my checking account. I once again agreed after they did a whole lot of smooth talking.
Three weeks later after the money had come out of my account I received more detailed info in the mail. After going through all of the info I realized all this supposed credit card allows is for me to borrow against myself.
I called the toll free # and asked how I could get my money back. They informed me to just return the package and I would get a refund. This was back in July, and have not received a refund. Unfortunately, after finally having time to get on line I realized that they were just a scam to get my money.