I would rate this business as Spam. They need to learn a different way to keep tract of the orders people make. I ordered items by mail for the last quarter first week of December 2022, hadn't received it by January 2023. When I called in January, they couldn't find my order & suggested I may have written the wrong address on the envelope which I told them I had used their envelope and it had their address on it. So, then I was told that due to receiving so many orders maybe mine hadn't been opened yet. When I sent in my order, I included a friends order along with mine. I was surprised to receive an order February 2023 which was part of the one I ordered in December. I called 3/15/23 to activate my UCard and was told then that I had a balance of $30.00 some dollars. Tried to explain to them I had not ordered anything this year, but they show a order was senti in February, and supposedly I talked to one of them on the phone about the order. Wow they are very confused and insist that I called & placed this order. As I had said my order was sent in and the only time I had ever talked to them was in January about the December order. I was told that if they received a ordered late in the quarter it could be placed on the following order. Do they keep the actual order you send in, N0 they have the date if they do send a order out. And my friend he still hasn't received his order, but he won't be ordering from them any longer because he changed insurance for this year, which I plan to do also due this kind of nonsense. Its not the money it's because they do not listen to what you say and yes they say "I'm sorry but this is what I'm reading. " Well go read a book or better yet take a bookkeeping class about office management.