$49.97 debited from our checking account, twice 9/27 and 10/28 Called in to ask for a refund the first time I was promised a full refund. Only 1 of the $49.97 charges was refunded in 2 half payments, the other was never refunded. Called in a second time, and was told it was impossible to refund the 1st $49.97. that I DID NOT WANT to JOIN I never signed up to be in a shopping club. I ordered a flag and was told I would only have to pay the $4.95 shipping. ITS A HUGE SCAM User's recommendation: STAY AWAY!