I made the mistake of opinion g an account to get the no interest terms....ugh what a mistake. Things went fine for first 3 months --then they stopped mailing me statements, OR posting them on line. they kept claiming mail was returns]ed so un less I updated my address they would not mail...but why not post the stamens? Fishy. Sri then I paid them off in full instead of bothering with them...and oh they did not register that I paid them the $1500 plus balance for 4 months even though check was caused 5 days after mailed!? So I kept getting these emails--reminding me to pay them to protect my credit. would send them an email saying not stamens recd and no statement posted and I did not owe them anything! But they in sited I did and would send me a statement showing had not recd payment--FIASCO. So I kept paying min payment they said of $42 for another 6 months on my $0 balance plus their over the phone fee of $9. Then I get an email that says that I have a credit balance of $350! just ridiculous! Now they are saying cannot mail me the balance because--you guessed not my address is not valid. Same address all my other mail comes to. Only thing I can figure is they were trying to get me to miss payment so could hit me for the interest...JUST DO NOT BUY FROM THEM> Many other online resellers . They are teamed up with Community Credit..just do not deal with them. Buy elsewhere. Still do not have my overpayments back.