PC optimum credit literally stole money from me, I applied for a card and got approved, they told me to set up a debit account to pay off the credit card and had me transfer in $10 to make sure it worked. Then a week went by and I didn't get my card so I logged into my account only to see that they had blocked access to both of my accounts. 15 hours on the phone and in person and I never got a straight answer out of them as to why it happened and I never got my money back. My dad ended up convincing me to let it go cause I was about to take them to fucking small claims court, scammers!!!