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Me and my wife just get what they call sampler its 20,000 points for $4,000 that we have to use within in 24 months. As I was reading the contract we sign up for no right of rescission, cancellation or refund. I just built my good credit back and Iam afraid if I just not going to make a payment they will ruin my good credit and receive those stressful phone calls we've been before. Reading all this complaints we decided to cancel this . We don't want to go through what others are going through and before we get to deeper debt. Who can help us