Well its this particular Speedy Cash, that is promoting the liars and rip offs. Yet , they claim it is a separate entity. I am referring to the pre-paid credit card : Rip Off. ( OTP + ). Today I called in reference to a recent transaction. We stayed at : Best Western in Huntington Beach Calif. At $142.37 a night with tax. We stated from: Tuesday , April 11, 2017 to Saturday leaving at : 12:00 P.M. So this should have come out to: $569.48. Yet because we wanted notification arrangements. We were able to see on our email and cell phone any recent transactions. It was not: $569.48. It was : $685.37. This means there is missing: $115.89. Now upon investigation: The hotel claimed they only charged : $569.48 for the four nights. So upon investigation : Guess who is charging a penalty fee. Also called a : ( UP FEE ) for using the pre-paid credit card? Its : ( OPT PLUS ). So , for each night at Best Western Hotel, this corrupt pre-paid credit card company is charging : 20 percent penalty fee / they call it : UP FEE. This is how much: $28.47 cents. For each night. At $142.37 with tax. So for 4 nights at the rate of: $142.37 with tax. Guess is ripping off customers: ( OPT PLUS). This is the credit card company this : Speedy Cash is promoting. So this rip off company is requesting: $685.37. The: $115.89 is because this is the penalty fee: OPT PLUS is charging for using the pre-paid credit card. Now we called : OPT PLUS. They hung up on us. God only knows what state they are in. When we find out we will write up the rip offs again. Then again. This : Advance pay organization is getting some kind of commission for promoting these rip offs. How much is unknown. Consumer be aware: Don't get OPT PLUS. 1-866-331-3063. They want all kinds of personal information: Like : Your date of birth. Exactly where you live. Yet even after using their pre-paid credit card. They refuse to mail it to you're : U.S. Post Office Box. Why??? How many people have had mail stolen from a house mail box? Also: So the rip off pre-paid company: OPT PLUS, will refuse to mail you a new card at your post office box. So if the card expires they will keep the balance on the card. Because you as the customer did not want to provide a physical address. Again this rip off credit card being promoted by: Speedy Cash. They promote this pre-paid credit card company. However; Even though they promote these thieves and con artist ; Speedy Cash will act like they know nothing about their friends that provide a commission. OPT PLUS. $28.47 : Penalty fee/ called : UP FEE. If you ask too many intelligent questions: Ally will hang up on you. The other worthless lame duck calls it self: Kamil or something like this. She refuses to call the penalty fee a penalty fee. She will use the change the subject technique. Or lawyer : ( Shifting Technique ). So she stay very silent a few minutes when you call it a penalty fee. This is called: ( Silence of a entity based on time of discovery . California Government Codes: 911.23 and 911.64. Credit card companies all have a unique way of stealing and taking money from their customers. Some credit card companies : Take their time to post a payment. Why? As a excuse to charge: Penalty fees, fees, excuse fees , and any other fees? Why? To rip you off and get rich. How does : Opt Plus , rip off customers: The : UP FEE CHARGE. 20 Percent if you use the card. At a hotel. Or put gas. Example: $28.47 is 20 percent of: $142.37 if this is the rate per night. Then if you explain to : Kamil , that you would like to speak to a supervisor she will let you speak to : Ally of OPT PLus. The other : Pre-paid company whore. Then if you ask is the : UP FEE A: Penalty fee , for using the pre-paid credit card. Then : Ally will hang up on you. Now another thing: To get a pre-paid credit card with : OPT PLUS. They want to know everything about you. Like: Social, date of birth and lots of personal information. Yet all this and : Speedy Cash , supervisors still get their commission for promoting these : Con artist , thieves and liars. Yet will act like they know nothing about them. Avoid : Getting a OPT PLUS Credit Card. Penalty FEE: $28.47/ Called a UP FEE/ Its a penalty fee. To make the credit card company rich. Don't waste your money. See : If your credit union can , provide you: With a credit card. With notifications of rates and who much is being charged. Write up: OPT PLUS. Their address is now pending for lots of write ups. RIP OFFS. Bad customer service. Bastards. Con Artist. Thieves. read more