They are a credit card scam. They called my spouse offering a 9500 credit card with only 89 one time fee. I specifically heard my spouse say he will check with his spouse and see. My spouse told him to call back. When he got off the phone I asked him what was that when he explained they had all his info and what they were offering I said no way. He said I didnt agree to anything well lo and behold they deducted 89 from his account and will not give a refund. When I called they claim he agreed but would not let me listen to the call. I plan to file a complaint with the BB. This happened on 1/6/11 beware of these scammers. Also customer service very RUDE!!