This company promised to save me money on credit cards but charged me $, 465.00 up front on two cards. I tried to recover these amounts after initially agreeing, cancelled 8 days by phone later and was told I was one day to late in cancelling. I got my credit card companies on them, and got $665 back from one of the two cards, Chase refunded me, Capitol did not. I lost $800 and now the company has "dissapeared" last August I tried to contact them and they still refused to return money. Capital one story is that the merchant was right because I did not fill out merchansts welcome package (as policy required) to see if I am qualified. However Capitol One initially told me not to fill out welcome package. The 120 days the dispute has to be resolved in is over and now I am sitting here with an $800 charge, no service and no credit back from Capitol one. The whole thing is so corrupt. Capitol one won't admitt that they advised me wrong and is SORRY.