I signed up for a Universal Credit card with Universal Credit Bank in July of 2008. Now I've discovered that ID Watch Dog has withdrawal 21.97 from my account without my permission and have attempt to withdraw a total of 7 times from me. Universal Platinum didn't tell me in small print about additional charges for signing up or releasing my info to a second and third party. Also a company called Vccom (which has close ties with Universal Platinum) has withdraw 12.95 from my card without my permission. Vccom has made 5 attempt... read full review »