I got a 500.00 credit limit and visa thru them had to get a 360.00 cash advance thru my bank which I later learned applied bank charged me 18.00 for plus a 10.00 maint fee plus I still owed them the 125.00 they took from the 500.00 credit limit they gave me? anyway now I see on line since its all I can see is that I owe them 74.00 they charged me 38.00 for being over my credit limit? which would not have happened if their fees had not placed me over their limit.. so if I do not have the money for this amount they will also charge me a late fee plus still the 10.00 maint? fee? which they claim they need to let credit people know you are on board? spoke with 5 people 2 hung up on me.. 2 talked over me.. and the last one said he was a manager.. explained away all the charges to try and make me see the fairness of their shrewd bank dealings for people like me trying to get back on their feet.. hoping for a helping hand so they can walk with their head held high again.. and this is how a person gets led down a rat hole. trusting people like this..