Monte, I looked into the whole Xtraplan thing out of boredom at work a little after you made this thread, the average % back is 2-3%. Almost NONE hit even 10%, let alone 45%. I make more than the average 2-3% back on my credit card like I said. Just admit you bought a package for a fee and a recurring monthly payment to be able to recruit people so you can "nest egg" more money and you got took. It's alright man, shit happens.