Its a Gold Card piece of paper giving you a 15,000.00 credit limit. I lost $37.00 and spoke to Justin the representative at 17148817777 which advised me that if i returned the package back, i would recieve my refund back in 30 days upon their getting it back. I recieved pacage on 09-21 and mailed back that day by UPS ground track. They signed for this package on 09-28. I have not recieved anything. Called on 11-15, got a recording stating they have telephone difficulty and to fax them at 17148817707. It went thru and i tried to refax again on 11-23, send failed. Beware this is just a catolog with junk merchandise which you have to pay half up front when you order.
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