I (Lexi Place) paid this company $300 in security funds for a credit card (so basically not a credit card as I was only using my own $300 that I had originally sent them) and then was charged an additional $60 on top of it for a *yearly* membership. I used the card a few times and then lost it. I started paying it off a month or so later and then I started getting returned checks, from the payments that I was making. So I called, as I wanted a new credit card anyway, so I could start using it again. Doesn't the Capital One representative tell me that my account has been closed due to inactivity which is why my payments were being returned. I didn't know I was obligated to use my card every month? It had an outstanding balance however, it was my own money anyway, and I had all intentions of paying it off so that I can still use the card... I paid for a yearly membership so I thought I would at least get a year out of my $60 investment. Apparently not. Do not use this company. What a complete scam. I am now out $75, out of all of the money that I had sent them, $75 of that, was not returned, and I don't have a credit card to use, and my $60 payment for a yearly membership has just been forfeited?? I mean, if they really wanted the $10 minimum payment that bad, don't you think they would call me or email me or something? It seems more likely that this card is a scam and they are just doing it because the $60 is worth more than the $10 minimum payment. It's not like they were out any money, I paid a security deposit so I was only using my own money for that credit card... STAY FAR AWAY FROM THIS COMPANY. In the end, I was hung up on, which is wild to me because I was quite calm considering the circumstances. I guess the guy didn't like why I was questioning where the $75 payment went. He kept telling me that it takes 150 days to return the funds. Funny how it takes 150 days for them to send me my money but, they will shut my account down if I don't use the card for a month??? I'm so lost on how they're able to shut people's accounts down for inactivity, when the money being used was not even theirs to begin with
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