That is actually the only explanation I have heard that has made any sense. And because I was helping my mom with her taxes last night I have a clear memory of exactly what your talking about. It defaults to "Have it sent to Credit Karma account and get $100" and it's very possible, infact probable that after already selecting the refund advance that a large majority of us saw Credit Karma and figured it was the same option and just continued. That would at least make sense for people like me that never got an email saying they were approved or for how much, and who called First Century Bank and were told they did not have an application on file for them.
