Like most others who have commented on this site, I thought this offer needed to be scrutinized. After reading many of your comments, and looking at the offer I can only hang my head at the laziness and/or complete lack of basic common sense most people have today. On the top half of the first page of the Terms and Conditions of this offer it states a monthly fee of $39.95. It also states that it is not associated with Visa, Mastercard, or anyone else. It is a line of credit that can only be used on certain goods and services. Was it a... read full review »