I saw a flier for AFCA back in 1998 and I called it. I went to their office in Richmond, CA to get help with getting a credit card, since my credit was not very good. They told me that in order to get the credit card, I had to become a member and pay a $5.00 monthly fee for one year, and that they would report my good payment history to all 3 credit bureaus monthly, which would improve my credit. After I no longer had the credit card about one year later I believe, they still kept charging me the $5.00 fee and still do now. I tried to... read full review »