I was late and emailed them the reasons why. I told them i would make a payment about a week late as it was when i would get my check. They called my house and cell like 10x a day. Then i called them up and the online payment prevents from making payments within 10 days of previous payments, once again i was late. So i signed up for Auto MINIMUM Payments, as i plan to pay it off with a settlement payout, my minimum was 69 that month, i charged my account for gas since i had no money, so my minimum went to 70 dollars, but they took out $69 ONLY!! i was pissed and the guy said my account is delinquent for $1. i told him what was the point of autopayments? he said i signed up for 69 per month. i know i said to charge my account EACH MONTH for the minimum due.
i guess its my fault they didnt charge the one dollar more? BS! don't do business with them. I always end up having a huge debate with them when they call. and yes their APR is over the roof. My american Express is barely at 10.3% while they charge me 29.99% they say its my credit score, but honestly my credit is only single digits away from 700.