This is a company offering a person $10,000 worth of credit at an intrest rate of 5% apr. One must purchase everything from them from online or from a catalog. To join, one must send in $37.00 for a annual membership fee. They are in return to send you a membership kit explaining there offers. I did join this club on 9/22/11 and sent in my dues. As of today, i have received nothing from them at all. So i called and i was able to get a member id number so that i could go online and place an order there. I did try this out as i do need a few things since i just moved. I went into the catalog site and i picked out a cordless phone with an answer system and caller id added to it. The phone i picked out was a GE cordless phone and needless to say, it was an OLDER model and just like the one i already have and i have owned for 4 years. (900mg) There price for this phone by the time you add the finance charge, postage and handling was $155.23. I bought this same phone at Target 4 years ago for $39.95. Other items they had to offer were also at outrages prices compared as to what one can buy at Walmart, Kmart Or Target. There Blue ray dvd players were going for $299 to $399 not counting the finance charges and shipping and handling charges. They show a picture of a tv in there catalog, but they offer none at this time. If you want credit that bad, go and apply to them. this is without doubt one of the biggest scams i have seen in a long time from a company doing business and offering items you can purchase elsewhere at a lower price. Don"t fall for this $10,000 offer as it shall really cost you in the long run.