Anyone that files complaints and actually sent this company money needs to go back to grade school! As soon as I read this it states that it isn't a Visa or MasterCard. It does say a credit limit of $10,000 but it also states "Visa and MasterCard are unaffiliated with this offer or UWCS. Credit amount referenced herein shall not be construed to function as any type of multi-purpose credit card and is exclusively applicable for credit purchases from UWCS." SO, if anyone sent money to these people and are complaining, learn to read before you assume. It is obviously a huge scam but had you read what you were sent, you wouldn't be out your $37, now would you?? What a scam and a joke. It just shows that people are not smart enough to read. They sent it in the letter, the people who sent them the $37 is what is keeping this joke of a company in business. Don't cry to the public, when it states right on your letter what it is and couldn't say it more bluntly. The people paying this company are the ones to thank for the next person writing them a check and the cycle continues. It's because of uneducated people, if people would stop blaming others for their own mistakes then a company like this wouldn't exist because no one would send them any money. So, own up, you didn't read the fine print and it's your fault. Learn to read and then this company wouldn't succeed!