I have less than perfect credit. So, I agreed to prove that I have a checking account and so entered my banking info. A day or so later, I noticed a charge for 499.95. I DID NOT AGREE TO THESE TERMS. I also wonder if this is in afact an unsecured acct (as advertised) or a simple secured scct. Either way, they have kept me on hold for 15 minutes now and before involving my bank )b/c these reversals add up negatively against your favor) I am trying to deal woith them directly and get the charge reversed. I'mbecoming doubtful this will... read full review »