On an unaffiliated web site, you are encouraged to check a box that says, yes, I would like a rebate. for $20 or so. You never get the rebate, but you do get billed 12-20 dollars per month. They will claim that you are offered rebates, but they lie. The monthly charge will appear as: SHOPPINGESSEN272985850 11.95or similar. Not real noticeable mixed in with a lot of other charges. That is the plan, of course: keep charging you until you notice then offer you a one month refund. I rate this as very severe not because of the economic damage to me, but because there are thousands and thousands and thousands of people being charged $10-20 per month and the credit card companies do not care and the legislatures are not doing anything.