I was woundering if anyone knows about a company called Creditcorp Inc. out of Texas. I recieved a pre-approved letter for 10K at an APR of 12%. However they wanted the $30 annual fee up front. The letter also said the annual fee was completly refundable if not completly satisfied. I'm not very credit smart. Is this for real? Is it real credit or do I have to make payments before I can use it? HELP! It souds like a good deal.