i purchased books off amazon.com becasue the books were at a good price and 3 months later i realized that on one on my credit cards the min payment was really high and wonder why because i didnt use that card in months because i was almost over my limit i come to find out smartsavings center was charging my card every month on 2 different credit cards for $29.95 + $1.00 + another $4.95 and i never authorized this membership there saying i signed up for. but my credit card companys are taking care of it. thank god