Due to being busy at work, etc., I had a couple of late payments which were less than 30 days. They reported them as delinquent to the credit bureaus! As a result, my score has decreased nearly 100 points. This company is THE worst. They make any excuse to charge fees, and will wreck your credit just because. If you didnt receive your card, celebrate! Please, please deal with other companies! User's recommendation: Stay away from Fortiva!