This company uses a sign up charge after you obtain a credit card from them. I did not sign up for on-line web service or services. They billed me $25. for not paying my invoice which they did not ever send me. I called and got that credited--than they set me up with a rewards program to another company. They said it was from them and had me billed in Feb--and--March. That I had to call them for credit. I did call and got it credited and was told this was started in DEc 2008 when I start my credit service with KingSizeDirect. I did not sign up as I did this over the phone with them. I have contacted all three credit company's by mail and they have no reports on them. My advise is to NOT obtain any credit card from these company's. I did not have any outstanding balance with them and even have a letter from them informing that I had an a $0. balance. Then they hit the account again. I canaled the card.