On 2/2008 activated the credit card on the phone as per the sticker on the front of it. Recording said 'Thank you your card has been activated, ' March paid 1st statement in full just the 39.00 annual fee went to make purchase 5/2008 transaction declined by merchant call was made to company I was sent a letter asking for verification info letter returned to company. 6/2008 attempted purchase declined by merchant called company again another letter was sent asking to verify my identity letter mailed back to company. In 9/2008... read full review »