If your read the rules first it says. "Pick your product, then you will be emailed links to all sorts of surveys and such to earn points. Once you've earned the required amount of point's, submit them and your item will be shipped the next day. It's a form trickery but it's not fraud because you didn't read before you purchased. And yes there's a number to call, but that's why they don't except Credit/Debit cards. You willingly submit your bank account and routing number, so it makes it to where your bank won't get involved and they don't have to have a dispute with a major financial institution over refunding your money. If you pay, in order to get your product you have to jump through there hoops to fully fill your obligation to receive it at the price you payed. NOT FRAUD, READ THE INSTRUCTIONS AND IF YOU DON'T UNDERSTAND EITHER GET SOMEONE TO EXPLAIN IT OR AVOID IT.