Wow.. do I feel stupid!! I signed up for this thing that I thought was a regular credit card but oh no, it's not. Yes, they explained to me that this card could be used to make purchases from their catalog but I would also be getting a "Cash on Demand" card that I could use to deposit money into my account. I went for it. I ended up being charged $200 for nothing. I went to make a purchase today with my regular bank card & they told me I had insufficient funds. Seems this so called Credit Card company took my money. Now I will supposedly get a catalog that I can purchase shit I don't need out of but I will not be able to get any real money. The so called "Cash on Demand" card is only good for them give you from a $20-$150 loan & that is only with good credit!! WTF!! I feel like a compete idiot & now am broke to boot. I was really hoping to get this credit card with they first told me a $8,000 credit limit. I REALLY needed some money right now & now I am even $200 poorer.. I feel like a complete moron.. oh well, leave it to me to fall for a good scam!! 