My daughter opened a membership, with 2 ‘free’ cards. Ten days later £50 membership fee was taken from her account. In touch notes Ts and Cs they talk about the right to a membership fee, but do not mention how much. I myself have been a member for several years without problem and have paid an the additional fee to keep my credits valid. However, I recently had problems with my log in details and the response of TouchNote was totally unhelpful. I know have credit on my account which I am unable to access. BE VERY CAREFUL when entering any agreement with this company.