Be afraid, be very afraid. OK, exaggeration... just be cautious. Thankfully, I am employed and in a position to pay these folks off completely. I have sent my last 9 $ to them by certified mail in fact, today !! why you ask ? Just got done calling about a nickel of interest. Ok, that is not bad at all . I agree but a nickel on an 8 dollar balance and... the 8 dollars is a membership fee. So I offer to pay the ENTIRE membership in advance, yearly, as I do on my American Express card. NOPE . Creditone does not wish to do that. Then I... read full review »