I am a college student, and being a college student I have no money, all the money I have goes toward paying the costs of college. I also don't make any money for I am a full time student about to graduate and enter Law School. The problems with Family Readers Club or FRC, began in May 2009. On May 14, 2009 I recieved a telephone call from an FRC Representative saying they recieved my information from my credit card company and wanted to congradulate me on how I was always on time and never missed a payment. The FRC representative... read full review »