The card looks generic and they said I would receive it by Oct 27-Nov 5th and I have already received it with the credit limit they suggested. I also was told that If I make the first payment on time I would get the $99 refunded back to me. If I call and ask for sales then I can usually get someone on the phone to answer my questions. Only concern is who accepts it? no logo visa/mc/discover nothing. Anacott Financial is the credit card company I am referring to.