The manager hung up on me! This company lies to you!!! Then they tell you to wait 18 months to 2 years saying it takes a long time to get the process going, then when you call back finally they tell you it's too late now they didn't receive the documents they needed and they've closed your account. Now, you'll need to pay over 1, 000 to just re-open your account. It's a scam!!! Awful call your credit card company and get your money back.