I applied for a online payday loan and before you got your answere you had to sign up for a national platnum card. I did and there was a 99.95 fee and when they called me 3 times to comfirm this I said I did not want the card, I did not have the money for it. This company has hit my bank account 3 times for 99.95, 99.49, and 99.00. And they will not refund my money. They said I did not get back with them. I talked with so many people that could hardly speak english that is where it got messed up. I did not want their card and they took my money anyway do not sign up for a national platnum card it is a big rip off.