I have a card on file. No one ever called me they just put this amount of 500.00 charge through. They have told me for days that they have processed back to bank the money. Now after 10 days they tell me that they have mailed me a check. Also, when you call company you talk with someone offshore, who can not do anything to help. They just have their scripted replies. User's recommendation: never give them a check card on file for them. At least with a credit card you can have the credit company stop the transaction and dispute it.