COMPANY HAS OFFER TO JOIN CLUB DEEPLY IMBEDDED IN TERMS OF A PAYDAY LOAN WEB SITE. WITHOUT REALIZING IT YOU ARE CHARGED $19.63. IN MY CASE I WAS CHARGED TWICE. IT DEFIES LOGIC THAT I WOULD KNOWINGLY JOIN THE SAME CLUB TWICE WITHIN MINUTES. THEY REFUSE TO ISSUE CREDIT. THEY CLAIM THE CANCELLATION PERIOD IS 7 DAYS. I DID NOT EVEN KNOW THE CHARGES WERE MADE UNTIL I GOT A BANK STATEMENT ALMOST A MONTH LATER. REPEATED CALLS AND REQUESTS TO SPEAK WITH A MANAGER OR SUPERVISOR RESULT IN BEING PUT ON HOLD FOR 30 MINUTES OR MORE AND NO ONE TAKES THE CALL. ONE AGENT TOLD ME I WOULD NEVER BE CONNECTED WITH A SUPERVISOR AND NO CREDIT WOULD EVER BE ISSUED.2bb237 read full review »