This is a rip off. I thought I was signing up for a Visa card. I entered all my credit card info and then I saw it was for online only. I deleted all my info and exited. Well I only use a pre-paid card when on line. Thank goodness. For the last three weeks every time I put money on my card and buy from Spiegel's or JcPenney they zap my money off my card for government grants, voice mail services and activation fees. It is a real headache. I don't even have a credit card with this company and no one seems to have a number in which to... read full review »