I had problems with them also. First of all no billing statements, then finally after four or five months you get one, with late fees and finance charges out the wazoo. Did you ever notice the 42.74% annual percentage rate. Is this legal? DO NOT USE THESE PEOPLE. IT WAS FOR CONVENIENCE, AND BELIEVE ME THERE IS NO CONVENIENCE, ONLY MISHAPS AND AGGRAVATION AND BAD CREDIT REMARKS BECAUSE OF THEM.