I had called them because last week I signed on and there was an unexpected $100 increase. I was told it was to offset the $99 fee for a $600 increase offer that was in the mail. As you can see I was given wrong information. Altogether I am receiving a $600 increase. But am paying $49 dollar for only $500 of the increase. The remaining $100 came without a fee. For someone with bad credit and no increases from Orchard nor DMB the $49 fee is OK!