I applied for a Net 1st Visa (they also offer MC) through a "special offer" that was on a Lotto/Game site that I visited. Not only did they charge my bank account an $89.95 processing fee the day I filled out the application, which was not what the site offered; they then sent me an account agreement asking for my "first deposit." In other words, first they charge you an exorbitant fee, which, contrary to the representation on the application, is deducted immediately; they then want you to send them more money for your SECURED credit card. What a rip off! When I attempted to obtain a refund from the company, I was told "tough luck." Allegedly, the fine print states all these terms and conditions. Maybe so, but I read all the fine print and I saw none of this.