I was contacted by phone and was told that I had a time sensitive VISA/Mastercard credit card approval with other bonuses (computer, satellite cable). The representative said that I had a fixed low APR rate and only had to pay a processing fee that could be broken into two installments. Before I knew it they had my checking account info and collected $299.99 from me. I had to wait 60 days after the last payment to only receive a cheap folder guiding me to credit repair. I did not receive a VISA/Mastercard credit card. Just an advertisement to use my credit with their catalog products for sale. I have tried to get a refund from them but they would not help me.Us benefits is a rip off!!!
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