Since January, bills have been posted without my authorization to my HBC mastercard. Every month I have contacted them, they graciously forward my call to Memberworks with whom they have an agreement, and I have a discussion with the client rep about the unauthorized charge. They credit my card back for the 20.95 charge, and give me an authorization number. They "say" the "membership" has been cancelled. I've asked why their records don't show the previous cancellation - they have no answer. Well, just solved the problem - cancelled my HBC mastercard. There will be no more unauthorized charges and no more frustration and annoyance.