Do not activate any cards sent to you by CCA Credit Services Divison, or from The Frist National Merchant Credit Card Advantage, stating you are approved. When I received this bogus letter I immediately opend to read its contents, upon reading the entire letter, they state that you are approved at not cost or deposit needed to activiate your $6,500.00 credit line. But in the fine print it will advise that at $199.00 proctection plan is charged to your account and 99.00 for annual fee and fees are due within 30days. The also try to cover it with stating that they will send you a $200.00 coupon to cover for the $199.00 and another $100.00 to cover the 99.00 annual fee, which in fact if you keep reading you have to spend $500.00 to get the first $200.00 coupon and another $100.00 to receive the second coupon. This is a fradulent company. I advise you not to even open the envelope just tear it up and destroy card provided. As you will read from others reporting this company, if you call they will say you are already activate without even providing them with the approval number and any credit card company providing you with unsecured credit (which mean no deposits or fee to activated card) does not operate like the way CCA or USA Gold does. Be AWARE and destroy any offers like the one mentioned. I was lucky to review all contents before making contact with company making bogus offer. ElizabethTampa, Florida
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