The website is not helpful for paying bill. There is no listed interest rate, no way to track payments. Screen shows NO history but I have been paying on this bill for about 2 years. I do not believe the balance displayed but have no way to prove since they do not send monthly invoices and there is no payment history on line. Do these people just make up numbers? Customer service line does not pick up during advertised customer service hours. I have been on hold for 30 minutes this time & still holding.