I also applied for a payday loan a month ago, not knowing that it will cause me $49.98. I decided to call their customer service hot line and I was very upset about what happened. I ask some information about this and a representative told me that it was an offer when i applied for a payday loan online and gives me all the benefits that it offers. He ask if i want to take advantage of this offer, I told him that i want to cancel this membership and i want my money back because I did not authorized this charge to be taken out in my account. So the gentleman told me that he will cancel my account and refund my $49.99 back to my account, i ask him how long it will take to get my money back, he told me that it will took 5-10 bus days after the clearing of the check then i have to wait. After 7 days I got my money back. And that gentleman that I talked to was very helpful; thanks to him I was able to get my money back.