First of all they sent me TWO of their crap cards. Both with $250 linits nad each coming with $175.00 in fees. Just a little history. Last week I was approved for $19K auto loan, the smallest credit limit on ANY of my MC/VISA is $3,100. I can't wait to call theses morans today and tell them what I think of their card. However, I am concrened that I am responsible for the two bills they sent me for the cards each for $175.00. Any thoughts? I would never use these cards and I intend on sending them back with a letter telling them to pound sand. But I do not need any negatives on my report and I hope theses scumbags don't report me if I do not pay.