I'm a lifetime member. I hate to admit this, but I thought I was a lifetime member a few years ago, the 1st time I enrolled it was a scam. Dirt bags took over $1500 from my bank account before my banks fraud department flagged it and called me. It took 3 $500 wire transfers to make them think something was off. Bank refunded my money, but I was without a debit card for 2 weeks. I'm embarrassed to even tell this. I hate scammers!