I was shopping around on line for a payday loan, and was just interested in seeing how high the interest rates are. I knew they wouldn't approve me until I E-Sign a contract or they reach me via phone or mail, so I was putting my info in for a few websites and everything was cool until I hit a button which re-directed me to a screen saying "Do not forget we will debiting your account in the amount of 149.00 in 1-3 business days" I was FLOORED!!! What a bunch of crap! SO I call, of course I was on hold for 45 min. before talking to a sales rep who basically told me I should have knew what I was signing up for. I demanded them NOT to take money out of my account and he kept lowering the price. Finally when he said a one time fee of 49.00 with nothing else to pay I said Fine. Rumor has it they DO report to credit agencies, but still, you can only use this card on their site, and they do not have GREAT stuff. Its mediocre. Anyhow, it was VERY deceitful and just wanted to let people know you CAN talk them down in price or even cancel the whole thing if you can get to them fast enough. Its JUST like the Horizon Gold card (search it on here, MAJOR complaints).