I have never requested a credit card from this company and had never even hear of it until I viewed a copy of my credit report and discovered that I apparently had an account that I did not open. The account was open for 8 months, but nothing was ever charged, and it was supposedly closed "at consumer's request." After reading past complaints, apparently I got lucky. Additionally, the company does not list a phone number with the credit bureaus, and the website does not appear entirely legitimate. Clearly this company does not use ethical business practices, and consumers should stay far, far away! read full review »