I had put in a trial membership to ebay. I called after I receive my credit card bill and canceled it. The charge was 32.95. They told me it was canceled and on this month bill I have a charge of $129.95. They said that I canceled it late and the charge was a one time fee for that web site. It put me over my limit and not only got charge $39.00 for a late fee but change my interest rate from 7.9 to 16.4. So as you can see I did get screwed royal and are out $129.95 and my interest rate. I hope this help someone from not getting the same thing.