Thanks ever so much for these postings. I felt that something was wrong with this offer from the get-go; after all, NO ONE would offer $10K in unsecured credit for just a straight yearly fee that's a lot lower than most cards out there right now. And if you read the caveats in the letter it's NOT a card. I know of at least one other company that does this, and they charge you an insane fee just to close the account. They also bill you $18/monthly just for the privilege of buying their overpriced goods on bad credit terms. (A friend... read full review »