i needed a credit card to build up my credit so i basically filled out as many as i could. i got a cenennial one card. i didnt know you could only use it on the site. but i went on after having trouble logging in, and nothing on the site interested me so i never used the card. later on i ended up noticing all these extra charges on my bank statements. about three months worth. didnt have a clue where they came from. so i called them. it was about five different places and numbers that i called. they were all between $12.95-$19.95 charges. and they were "add on bennifits". they weren't benefits to me because i never used the card or the services. if anyone has the card, and you do not want the benefits that it comes with (which were all just about useless) then i would recommend calling the company to cancel before you end up like me. i eneded up paying just about $300.00 to them for things that i didnt need or use.