I sent net 1st national bank a 99$ processing fee to obtain a mastercard.3 months later I found out the company has been shut down.To make matters worse my credit limit was determined by how much money I had in their account,which at the time of their closing was between 300-400$.I've been told by the FDIC that I will get my money back including the reservation fee.It is still very inconvienient to have my money tied up this way and I made no progress in building a credit history.