as i have seen in some reports i am also someone who got ripped off. i recieved a letter from capito choice saying that if i would call the 1-800 number i would get a credit card. well i called me and my husband both talked to this man and i asked him about the credit card he missled me and i thought i was going to aget a 4000.00 credit card from the way he talk so i told them they could take out the 199.00 fee. and when i got the package lo and behold it wasn't for a master or visa it was for there company catalogs. i was upset so i called and the woman told me that i miss understood and that she could not refund my money. But i clearly remember asking the man was this a master card and he said yes i would get a CREDIT card for 4000.00. this is how he turned it around too make me believe that it was a master or visa i was getting for 4000.00. he just said a credit card and i didn't catch on. when the lady got through from being rude she just said mam just order your self something from the book i was so upset that i hung up on her. the things in the book wasn't even worth ordering out of so please be carefull and listen carefully when talking too people like this they are ripoffs and will rip you off. it might even be a good idea if you can too ask them if you can record their conversation for asurrance too. if they don't want too then something is wrong. capito choice ripped me off for 199.95.