This company is bogus...Neither me or my husband applied or this credit card and they found out my checking account routing and acct number and took 99.95 out unathorized...I called them the first time they refused to refund my money I told them my lawyer will be contacting them they hung up on me...I called them back was on hold for 15 minutes the lady I talked to said I need to send or fax them a letter to the refund department ststaing that this was not me and they will refund my money...The mailing address is...67 Lizingston Ave P.O. Box 2693 New Brunswick NJ 08903...so for anyone who needs a refund thats how to get it... read full review »