I applied for a cash advance but decided it wasn't worth it so I did not submit the approved application. On April 19, 2011 a charge of 149.95 was deducted from my bank account. I was on the phone for 2 hours with this company and finally got my bank involved. USA CREDIT dialed a number which was to be a representative of my bank while I was on the line. My bank said that the money was not deducted so usa credit said I had to call them back after 48 hrs to reapply for the refund of 114.00 (35.00 application fee). I then... read full review »