The letter they sent is misleading, you dont get a plastic credit card where you can purchase from any store, you get a paper credit card where you can only use to buy items from their overpriced catalog.
I got from the mail the company catalog, paper credit card and bunch of coupons and more marketing offers, which are normally free from other companies. And the only way to refund the $37 is to buy something from the catalog. The items are not even that interesting and over priced.
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