Imagine gold card sent my husband an unsecured credit card pre-approved... he gave them his check #'s, they refused his "line of credit" because they tried to extract over 150+ dollars from his checking account and he didn't have it. He thought it was over, then I got on line. They know their are people like him who don't read anything! I read everything and found out even if you are refused credit with them, which only would have left him with $50 credit anyway, they can still try and retrieve the money from his account later, like when he gets his Social Security check at the first of the month! Were suppose to call a phone number to tell them not to do this, and our bank, but we'll see if that works. I think he just gave them alot of money. And then they dont even leave you with any contact e-mails either! P----d off in MO.