I applied for this card twice for my husband and i called them so much and made complaint about one of their staff they returned my $99. I am in need of this card because of an emergency i spoke to the manager and he said that he would waive the fee and i should be getting this card by oct 15-20 but its th 19th nothing yet!? i goggled them just before this post and everybody is claiming them to be a scam...if it is they didn't get my money but they have my info. If i don't get this card and it Truly is scam I'm going to report them and fight back! this is bull crap! Does anyone have an official credit card from them please let me know.