They could well be scammers. I got an account and was verified by their "compliance" within minutes. Then before even using any of the credit they wrote to me saying the account was suspended because of fraudulent activity. I asked them what is going on and what is the evidence for fraudulent activity. You don't just accuse people of fraud. They just repeated the same none sense. Then they gave me a partial refund. Why partial, if there has been used where are the logs, and where is the statement of account? They just repeated the same thing as a parrot. They could and probably have done that to so many people with pay-as-you-go accounts with no accountability. The amount is small but can be ad easy regular theft. I encourage others to report it no matter how small it is. These corporations think are a law on to themselves.