I opened an express card to make some purchases for Christmas of 2008. I never signed up for their "assure" credit protection, and I promptly paid off the balances from my purchases. In about March of 2008, we started to receive phone calls from "world financial network bank" regarding a balance owed on the account. The original "charges" were for around $20, but by the time we were receiving phone calls the balance was well over $50 due to late fees. We never received paper bills from this company saying we owed them... read full review »