This company is NOT sending out real credit cards. They send people a card with your name on it that looks real, but has no visa, mastercard or any other worldwide credit logo on it. It really legitimately looks like you have been approved for a credit card- down to the little sticker on the front of the card and the activation letter. My wife and I were excited to learn that we were going to have $6,500 additional credit to consolodate some of our cards (we even hugged) so I hastily called the number without searching for the company online first (bad move).
The guy who activated my card called himself Shamel Yates and he had quite an attitude with me. As the conversation progressed, I realized that this card was only good for purchases out of their catalogue, but there was a cash advance card they were going to send me. I was told that my credit limit had actually gone up to $8,300. Throughout the call, I was under the impression that I would have up to $8,300 cash advance available, but when I attempted to cancel, they told me that the number was closer to $1,000.
After giving Shamel my bank account info and social security # (please don't think me naive- I was blindsided by the fact that this offer looked like a legitimate business) we went through the final rigamaroll to get the card activated.
After looking through the reviews on this site, I decided to cancel.
I called the company last night and they put me on hold for 45 minutes until I gave up.
I called again this morning and finally got an operator- another fellow who was very rude to me for wanting to cancel and REQUIRED me to sit through this very long shpiel of counter offers to get me to keep the card.
He was going to cut the $199 activation fee to $139 and charge the other $60 to the card. Then he went down to $99 and finally to free. This whole speech took maybe 20 minutes to read and it really burned me.
Once he finished with that- he put me on with a supervisor. The supervisor starts questioning me about why I'm cancelling and I told her about the reports I have read and she said 'Haven't we been up front with you? Isn't all the information about our card on the letter we sent you?' And I told her 'No, you never told me you weren't a reputable business in the letter, and I don't want to owe you money.' Both the subordinate and supervisor were borderline abusive with me for wanting to cancel.
Now the supervisor starts reading through HER rigamaroll scripts saying many of the same things her subordinate said only with slightly different numbers. FINALLY she got to the end and cancelled my account in a matter of 1 minute.
DO NOT GIVE YOUR ACCOUNT NUMBER TO THESE IDIOTS! YOU HAVE NO IDEA WHAT THEY WILL DO WITH IT!