They prey on the fact that many people do NOT read the fine print. Most people (though it's their fault) do not even know that their account is being drafted for $89 NO REFUNDS!!! They hide their customer service number leaving their marketers to handle the large onslaught of complaints. Remember the Merrick Bank product. Well Merrick bank shut down the company that was marketing the product because of the complaints about their shady marketing tactics. Impulse Marketing Group and Key Financial Systems are the masterminds behind this promotion. Money making tactic #1 - Advertise a guaranteed MasterCard (this sucks in many individuals who have less than perfect credit. Tactic #2 - Advertise the card as UNSECURED when it really isn't. They use the words - no up front cash deposit. (legit but deceiving, it has the ring of unsecured) Tactic #3 - Never mention the fact that this card is only good for people who are in bankruptcy. Everyone else would be far better off with a standard secured card that doesn't require $89 UP FRONT!! Tactic #4 - Include account# and routing# as part of the application process without mentioning that an $89 fee will be drafted from that account with NO REFUND... unless you're fortunate enough to have found the link to their terms and conditions which leads to... Tactic #5 - Nestle a tiny link to terms and conditions way at the top of the page so that by the time you are done entering your valuable account information you just might forget to look at the terms before clicking the submit button. This leads to... Tactic #6 - Once that submit button is hit you can forget about your $89 because it is YOUR fault that you failed to read the disclosures. LEGIT? yes, ETHICAL? Hell no Their marketers are victims also. Sure they pay marketers $15 PER APPLICATION. but they don't tell them that they will get bombarded with complaints. They don't tell them that they will make that $15 after victimizing another customer. They don't tell them that they would make more money advertising FutureCard at $3 per app (a legit company) than Net 1st at $15 per PAID VICTIM. This is a result of their incredibly low closing average. 100 visitors = 2 apps or $30. 100 visitors to FutureCard = 15 apps or $45. I agree that not all their applicants are victims and that the product is a good one FOR THOSE THAT NEED IT. My beef is with the marketing tactics. They have suckered everyone the customers and the marketers. In conclusion... This card will GO AWAY... What goes around comes around eventually. They RIPP OFF and eventually they will get RIPPED OFF!!! Can you say FTC investigation? It's coming... marketers beware!