These cards charge a huge set-up fee, they then let you use the card for a few months, and then they cancel you without notice. I have proof and have printed the cancellations. This is a fraud and is slander of credit. They ask the merchant to "pick up the card" although no money is owed. If you have any money owed on these cards, DO NOT PAY IT. I am a lawyer with 25 years experience and my phone number is 8187212163. If you would like to be part of a class action against these scam companies and their principals, please call me. They cannot cancel your account -- when it is current -- for no reason. read full review »