Ok I will give you the low down on this company. So I worked for bankcardempire for about six months. I was a tape roller to start out and then went up to customer care. First lets stat with what goes on as a tape roller. The first day I remember having a training session up in a office on the second floor of one of the companies off of 27 st and Tomas in AZ. As part of the motivational speech that they gave to me and I think it was 19 other new employees, we were assured that we were working for a different company not like the rest of the telemarketers that were pure ripe offs. This company was different saying that every one that invests with the company will make money, and that we should feel good selling to people. Providing financial opportunity were the actual words that were said by Sara. And help ensure people financial futures. Ok bull crap. What this place is all about , first its is a cheap company. The tape roles the pee on sales men. Have physical leads not computer generated but physical ones each pee on has a stack of fifty to a hundred leads and we call and call and call these leads until the people have been sold or they just do not answer. The do not call list does not apply. Now the price it would costs to become an affiliate does not matter. It could be from 100 to 500 dollars depending on how much money the people had. We Would trick people to get more money. One tactic was to see if a person had an American express card. Asking questions like do you do online shopping, and if so what type of card do you typically use, a Visa, Master card ,AMEX ,or Discovery. After we found out that they had an AMEX we would say that it coasted 500 to start. Visa lower and so on. Then we would find out what they do for a living asking the if they don't mind what do you currently do for a living. Oh a doctor, this guy has money. Once these people are sold a week later a re-loader calls these people back and asks for thousands of dollars to advertise the business for them. Now the closer is the final sales man during the initial sale call. And they are responsible for explaining the 12 month money back guarantee and the free advertising. So the 12 month money back guarantee works like this, you have to actively peruse the business opportunity for the length of 12 months, meaning have proof that you advertised you business for a period of 12 month. It can be spending a dollar a month for the twelve months or a million as long as you have proof that you advertised for a period of twelve months. In doing so at the end of the twelve months you should qualify for your refund. But no one ever tells you about this the just mention a twelve month money back guarantee and during a verification call the verifying person asks do you understand the twelve month money back guarantee. And with all the information given during the closing pitch you think well yeah I have twelve months to cancel and I will receive a re fund. Wrong. A motivational speech given by the top floor manager of bankcard empire Wayne Savage said I don't care what it is you have to do to make a sale in a group huddle like a sports cheer hands in they chanted Lie, cheat, and steal these peoples money. As customer service the role was some what the same as far as the deceiving. We take incoming calls and try to placate the affiliate on the other end. What ever it takes to keep these people with us for that twelve month period, at the end of which most of the would not invest money to advertise to we would kick them to the curb so to speak. I could go into more detail but yeah this is the basics of bank card empire not many people make money I saw people that invested tens on thousand of dollars in advertising and never made a dime. So buyer beware.