I wish I had done research. I went for a one time pay day loan at a cash max paid it off in full then few months later they say I have a credit line and need to pay like $25 for 12 months which is over $300. I never asked for the line of credit and asked for them to close it but they can't unless I pay the due amount and interest. So wrong. I have a credit card when I have a 0 balance I get charged interest but that's $5. These people are saying pay $25 for a credit I only needed once paid the amount plus interest back thought it was all closed but no they want money for something I didn't agree to and should be able to close for $0 because nothing is due/owed I paid the amount I borrowed already. User's recommendation: Don't borrow from them.