i used to work for LPC and let me tell you rip off is being nice. After customers receive a pre approval letter they are sucked into this because it's says that we give them a 7, 500 credit line and these people are usually credit challenged and for the first time they feel they can get ahead in life. They have to pay ridiculous amounts to get this card a 79 processing fee a 120 activation fee and to top it off 198 first year membership fee so oh and don't forget the 19.95 rush processing witch is a scam being all packets are sent @... read full review »