You apply for a loan on line and when you trust these companies and summit all of your personal information they will either deny you or approve you but while you are waiting for a response other companies pop-up offering you better or equal deals with the intention of helping you or so you think all the time they are stealing you information to go into you checking account and charge you for a service that you didnt even ask for but since they have your information from the original application the sneak in and take 49.95 or what ever they say the fee is for the credit card or the secret cash what ever that is and you never see any benefit total ripe off I will close my account and any one else having this problem I suggest you close your account and start all over again and dont give out your personal information to these companies again because they think we are stupid and despert just need to pay more attention to how this world are full of scammers on the internet and in you face at least the ones in your face don't have all your personal information god bless and watch out for SECRET CASH!