No kidding. I think Cash Call is only licensed in 2 states-Cali and Idaho of all places. Credit Cards are a joke in my opinion. I was waste high in debt and I kep paying and paying higher payments to get them down. Finanlly I said screw this. I paid the minimum payment for a year--Then saved what I was paying extra--It was $300 a month--for 1 year and then made one lump sum payment. I was like OH YEAH I am free free I tell ya. Now I only use one card and the balance is paid in full everyone month with no interest.