So I guess I am a retard for signing up then?
I got approved, but haven't done anything with it so far.

I checked my bank account and haven't had anything de-ducted yet.
I read every post on this, and I guess I wont risk it.
I just sort of submitted my application thinking I would never get chosen.
But when I did I was all happy, and then I was like, wait... That was too easy.
So I googled them, and that brought me here...

So my main question is.. Can I stop it? Or is the process already started...