I received this card from this company and agreed to pay the yearly fee. Got the card and a catalog and discovered everything was too expensive so I never bought. My card expired on 10/08, never received another card and figured that was the end of it. NO, they started drafting from my account in November and December, January of 09 and now Feb. I called them in December and told them I didn't want the card but they said the next years fees were due and they wouldn't refund them. I said I DON'T WANT THE CARD and to STOP... read full review »