This is a scam. I applied and believed I would have a line of credit for $500. It turns out the credit is for their self-help books not available to use as I needed. So I tried to cancel but have not gotten a response. They have my account number and will charge me $22 for their fee. I paid $2 but was expecting to get info on getting my pine of credit. It doesn't have that info about only using their products on the website. I had to dig and find out it's only good for their self-help books.