I was looking for a short term loan for the end of the year. I was directed to the USA credit website and followed directions carefully. Perhaps I wasn't careful enough. When I read the term agreement, the section about deducting $149.95 from my checking account was very suspicious. Right after the fee agreement, they state they will not deduct any monies from my account. Whether that was my bank account or the Shopping Club membership, it was very confusing. I have not had the funds deducted yet, but I think they will soon. I... read full review »