I applied for a loan online which forwarded me to a preapproved credit card application. When i got down to the detail and found out a $300 card would only leave me with an available $75 after fees i declined the offer. They called to try and solicited me again and i said no. Then i discovered they deducted 49.95 from my checking acct and have continued to deduct $45 on 2 occasions. My acct is now in the negative and i cant seem to get hold of a human to try and straighten it out. To top it off i never even got the credit card!