I have had the same problem with them. I have late charges because they didn't credit my payment on the day I paid, their phones were not working and I was forced to call the next day and was told, oh well you're late. They offered me an extension then called the next month to say I couldn't use it but my payment was 1 month late now. Not my fault but no use. I am trying to keep inside the 30 day late but they make it impossible. Never will I use them again