New Millenium Bank took my money order of $29.00 and did not send my credit card or my money back New Brunswick New Jersey

Hello, the reason most people have unfortunalely lost money after applying for a New Millenium Bank credit card, is that the money sent initially, from 19-109 dollars, is only the application fee, which is only refundable after 30 days of applying via the website or mail. Mew Millenium offers SECURED Credit cards, which means when they receive the application fee, a security deposit to cover the cardholders desired credit limit would still need to be sent in (and received by New Millenium) within 60 days and processed, BEFORE THE CARD is actually created and sent to the user. The Secuity deposit ranges anywhere from 300 to FIVE THOUSAND dollars.

Now, the ads are definatley misleading, along with the verbiage of the mailings most people receive. New Millenium does seem to pre-screen their mailings in search of those with credit issues. BUT