Original review updated by user May 22, 2021 HI MY EXPERIENCE WITH THIS COMPANY IS TERRIBLE !!!! EVERY MONTH I MAKE MY MONTHLY PAYMENT ON TIME. I NOTICED EACH MONTH THEY CHARGE ME A LATE FEE!!!!! I SPOKE WITH A REP. SHE COULD NOT RESOLVE THE PROBLEM. THEREFORE I HAD TO SPEAK TO A MANAGER!!! HIS NAME WAS CHRISTINE MEDIDAS . HE TOLD ME I WOULD HAVE TO CONTACT CUSTOMER SERVICE TO RESOLVE A PROBLEM THAT SHOULD HAVE NOT HAPPENED IN THE FIRST PLACE. STAY AWAY FROM THIS CREDIT CARD COMPANY!!!!! !!!! THEY STEAL YOUR MONEY ......