Sue, the manager told me I was to only pay when I first signed up for the membership and for security card, then I get a call from Abc financial stating I owe money for my membership! i was told only to pay when I went, the employees are aholes and do nothing to help you, take it from me, never, ever, ever join a gym backed by abc financial services, always double check how they can screw you no matter how honest they seem when they lie! read full review »