I ordered a trial sample of anti wrinkle lotion from a company called nuradiance. After I recieved my sample I broke out called the company on 02/17/2020 canceled the product. The company charged my credit card three times 91.95. I called legacy credit card to cancel my card and they said you have to wait until they charge it up than we will. I filled a dispute and legacy refused to refund me and told me there was nothing they can do to help me I have to pay off the fraud. I had to close my account! Dont use this company for a credit card. They dont help you and wont protect you from fraud User's recommendation: Don’t use this company for a credit card.