I've been trying to open up an account with them and they keep declining me and saying that the member services can't help me! My son sent me a $100 and I can't even open up an account and they ask you questions about your employment status and they say it won't effect your chances of being approved but yet instill they have declined me but they sent me a card to open up the account and then after answering all the questions they won't let me open up the account and now I have 100 bucks