Worst business worst customer service worst management EVER. Supposedly sent me a credit card THREE times, never came, so I never had access to my account. Customer service is TERRIBLE. Literally the worst company I have ever dealt with in my life. Don't even think about using this company to pay off anything it's not worth it. Couldn't even get in touch with them, when I did I finally paid off my balance in full because I was sick of dealing with them and they KEPT trying to CHARGE ME BALANCES. F*ing terrible. User's recommendation: DO NOT USE!!!!!!!!!!!!