Friendly salesperson chris assured me my credit card info was used only to hold the account info so I would not have to start all over if my company wanted to proceed. My company did not end up proceeding and I was charged anyways. Both speaking clear English. Now I have spent over 20 hours trying to get my money back that was stolen and it is evident that this company is really great at giving the run around. 6 months they tell me just to process!!