I keep getting emails from www.firstuniversalplatinumoffer.com . I almost fall for this...but when i saw the type in your social security #, i was like hummm. So I try chatting with a customer rep online asking her why there so many fees and she right away cut me off. Thanx to that attitude i went to google and did my little research about them and as a result i ended up here. Thank you so much everyone. I am another one that they couldn't wrap up!