I cannot believe this company. First they gave me an offer of a $5,000.00 credit limit on a card. Then, they informed me that they report to Transunion (credit reporting agency); and that I could rebuild my credit with them. They really talked me into a corner. Not only do they get all of your personal information - guarenteeing that it is secure and is not a rip off or scam - but ask for your bank account and routing number. This was explained to me as "in order to do a credit check"- which they claim they don't do.
I am a single mother of a toddler. Life gets expensive; and I can't afford a rip off like this. Even though I MADE the MISTAKE of initially giving them all of my personal information and bank account information; I did try to rectify the situation by calling back and telling them I didn't want the card. I was put on hold several times; once for over 10 minutes; I was hung up on... And when I finally got back through - I got recordings. My account was debited for alot less than some on this website - $79.95. But; to me - it's still a loss. Especially since I DO NOT WANT THE CARD.
I contacted the local branch of my bank - they were very helpful - but told me that they could not guarentee a stop payment to my account. If USA SHOPPING CLUB debited my account within the next 72 hours; they would get thier money - and the bank would charge me a stop payment fee on top of it. I ended up emailing the online banking customer service center - and am doing all I can to get my money back. The sad thing is; I may not. Just like dozens of others that were RIPPED OFF by this scam company.
I guess the lesson to be learned is: IF IT SOUNDS TOO GOOD TO BE TRUE - chances are - IT IS. And, as always - DO NOT give personal information (such as date of birth; ss#; cc#'s; bank account or routing #'s) over the internet or phone unless you KNOW FOR SURE it is legitimate. I am young - only 27; and I guess very naive.
This was a slap in the face. This company is insane and rips people off so often they should be shut down. Whether it's 79.95 being stolen from an account - or 149.95 like some others - it's all wrong.in the end; BEFORE money was debited - I TOLD THEM I DID NOT WANT THE CARD AFTER ALL - and NOT to debit my account. Some people don't know how to listen; I guess...
!!! Beware!!! Scam!!! Don't let this happen to you!!!
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