They have my account so messed up. I am getting charged for cancelled items and being charged multiple times for the same purchase. They have a "smart Pay", option. They take payments even if your item was cancelled. The balances are not visible to the customer. The bookkeeping is so confusing and no help from customer service. I spoke to 7 representatives and 3 supervisors. Noone has a clear, understanding of the "pending, holding, or payment" procedure and the bank! They say pending, my bank says the money was taken, period!