I thought wow this is great just what I needed. At no time did she explain to me that is was a "online merchandise card only" When she ask what I needed the card for I said to pay down on some bills the only thing she said was " that this card was more geared toward building back up credit but did not say I could not use it it for what I had stated.

I agreed to the $89.00 enrollment fee to be taken out of my bank account the following Friday. The next week I tried to call back on the number she called me at to confirm some information and could never get through. It would just say all representatives were busy please hold. After about 10 minutes of getting the same message every 2 minutes I hung up.

I was starting to get a bad feeling so I went to my bank to try to stop the withdrawal but because I did not know the exact name of the company that would be withdrawing the funds I could not.

After the charge went through I got a copy (it runs through as CR Venture, LLC) there was a number to call so I did. I spoke with a Mark and explained that I was not informed that the card was a merchandise only and not a real credit card he said he would listen to the recording and call me back.

Well of course he did not so the next day I called him and of course he didn't even remember and then when he pulled my account up he said they had done nothing deceptive and I would not get my $89.00 dollars back. I tried to do a dispute through my bank but they were of no help at all and said it was between me and the company.

I did cancel the card immediately and received an email stating it had been canceled. I look at their terms and conditions online and no where does it state the enrollment fee is non-refundable only the $19.00 monthly charge is non-refundable per their online terms & conditions. I called and told them that it says nothing about it being non-refundable but still was told they would not refund my money. This company is one of the biggest scams out there. They misrepresent themselves and their product.

I am now out $89.00 with no recourse to recover it. I am shocked with as many complaints this company has with consumer reports and the BBB that they are still in business