i did not authorize usa credit to take out money out of my account i informed the representative that i didnt want the credit card because i didnt have enough funds in my account and that i would call back when i did. some how the funds were taken out of my account electronically and now my td bank account is overdrawn. on top of that i am being charged overdraft fees and i really dont appreciate this and im not the type of person who overdrafts my account. i want all my funds returned back to my account immediately. read full review »