I notice that my Visa Account is being charged $1.00 every month for the past 4 months under what is called #AP9 YOURSAVINGSCLUB. All I can figure out is that once a number of months ago I tried to get a "free" credit report for myself on line. When I discovered that such a report was not "free." I immediately went off line and never ordered the report. Ever since then I am being debited with a $1.00 charge on my Visa account every month, and I want it stopped and I want the $4.00 refunded or credited to my Visa account. Will... read full review »