The banks now know that they place charges on your creditcard that aren't authorized, now the banks are blocking the charges and then the banks fraud dept. blocks use of your card, taking 7-10 days to issue you a new one. therefor making it hard to get your money . They cause my insurance payment to be late and made it so that I couldn't buy food for my family. This company is useless. Even for their legit customers. Then had the nerve to send me a box of tea I most deffently did not order.