I was looking for a paydayloan online when everprivatecard announce that will be approve in a hurry, but when they took my bank information they send me a message state that the offer wasn't available in my area so i quit. What was my surprise when couples days later they debited my account for $49.95 without my authorization. After fight for my money back they agree to refund my money but they will send a check that will take up to ten days. What kind of abuse is this to us the customers. Why they don't refund me the same way they took my money. Directing the refund to my checking account. If you are one of those like me with the same problem go direct to this email: www.secretcashcardservice.com/cgi-bin/refund.cgi and you follow the instructions. Don't go through the ordinary customer service of this company because while you're claiming your money, they are earning interest for them...