On the website it says that the Shopper's Club is "risk free". Just call anytime, it says, and get your money back. I used the "Club" once, supposedly saved $10, cancelled the service today and my refund will be $9. If that was what the website says, I'd say no harm, no foul. But it's not. And the customer service agent really did not seem to know the policy and I had to push. She was supposedly going to transfer me somewhere and put me on hold. Then she came back with the information. We will see if the refund surfaces. Full Beauty is an aggregate site for Roamans, Woman Within, Jessica London, etc. Those companies have a very complex marketing strategy that involves a constant barrage of emails, catalogs and so-called sales. Credit is easy, and it doesn't take much to get your limit raised. The idea is to keep you in debt as you will always find something you can't resist and since you are buying it on (high interest) credit it seems like Christmas. I stopped the emails but no matter how many times I have asked Roamans and Woman Within to stop the catalogs they still fill up my mailbox. If you have a Roaman's credit card, you can use it on Full Beauty but the Shopper's Club cannot be used on Roaman's. So for that purpose, they are different companies but they all take the same credit cards (as well as hounding you to apply for their own.) In a few more months I will finally be free of these companies. Gotta say, though, it's marketing genius.