You get 2 Credit Cards. The 1st is called Triple Gold Merchandise Card (to be used in this cataloge they have) The 2nd is a MC. You pay $219.95 (drafted from bank acct) and they send you a package that consists of: 4 $50.00 coupons to be used in the cataloge, this deal that gives you extra medical benefits, eye care, prescriptions, car rental, air fare etc deals. So you kind of only pay $19.95. They also send you a book on repairing your credit. In the package (shipped UPS) there's a Security Form. You fill it out and in 10-18 business days they send you a MasterCard. No security Deposit, no annual fee.....Interest rate of 7% after 1/1/2001. Has anyone ever heard of these people? I could care less about getting a merchandise card, to repair credit you need a credit card. Any info would be greatly appreciated.