Ok, so I've been a VIP member for a couple months now. I am fully aware of the 39.95 charge and that I can skip the months I want to. HOWEVER!, when they bill your account it's first a "phantom" charge just to make sure the funds are there. It goes into your posted column so it looks like it already posted in your account giving you a false available balance. Then the charge drops off and charges you for real a day or 2 later. I overdrafted my bank account. I spoke with my bank and they explained how the billing works with SD. I called SD and they spoke with 2 diff reps and they were not helpful at all. POOR CUSTOMER SERVICE.