They are the worse!!! I pay a double payment nearly every month, two months I skipped a payment because I had made a double payment. They told me you can't pay ahead!!! I have to pay by 12:00 PM EST I am PST on the day my payment is due to NOT incur a late charge. If I pay a double payment the day after it goes towards the prior payment and NONE to current month. These people are scammers their interest rate and late fees are exorbitant. The Sleep number bed I purchased for $1, 650 I will have paid over 4K for. It still stinks even three years later. I had no idea the ENTIRE frame was made from molded plastic! It's gross and I have no way of getting rid of it other than taking it to the landfill :(. HC Credit/VIVE have no customer service skills at all. They don't understand basic accounting. They call and call, even though I have made my payment! I have blocked their calls, and told them to NEVER call me again, and still they call or text.