Even though I received about $90 back from usa credit, they still kept some of my money which is a SCAM. I see on some of the other posters "employees" commenting that this is a legit company that does not scam people but lets be real here. YOU ARE SCAMMING TOO MANY PEOPLE USA CREDIT AND IT IS NOT RIGHT. And to all you employees of usa credit, GET A REAL JOB SCAMMERS.