Unfortunately I've been had.ccS sent me an ad that stated I could get immediate credit (with a high limit) and when I called I asked if I could get a cash advance on the card and the person said yes.
After a few weeks I received the card and could not get cash. When I called CCS they said no, I could not get cash but I could use the card to purchase items out of their catalogue.
I told them I wasn't interested and to close the account.in the meantime (yes, I gave them my bank account info on the first call) they hit my bank account for $199.99 which put me in an overdraft situation so I was charged bank NSF fees.
Since I told them that I wanted the CCS card closed I forgot about it until today when they tried to hit my account on two different days, again resulting in several NSF charges.
I just got off the phone (my bank gave me the phone number) with a CCS rep and was told that they would not close my account and the money was unrefundable. The next step is to close my bank account.
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