Hey shill --- go away you low life scamming maggot. How dare you try to deceive hard working Americans. If readers didn't figure it out, this illiterate scammer works in some boiler room overseas
Were you offered a loan by phone, but you had to pay a fee up front?
It is a scam.
It is illegal to offer a loan or credit card by phone in the US and to require a fee upfront.
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans