I purchased a motorcycle from ridenow a while ago and was *** enough to buy into their "everything" package. they ran my credit and i was told i was approved through hsbc and could purchase this bike, even taking my down payment and allowing me to purchase 500 bux in gear, all ok, I was approved, right?! well turns out not all is good. my premiums went up from a mere 90 a month to 250 a month, granted i was late 1 time, but that was only after my premuims started climbing. for 2 years i happily payed 180 a month on my 90 $ bill. get it paid down quicker right? well no, you see what i didn't know was that i really wasnt approved for the 5500, i was only approved for 5000? so i called them what? i mean how can i overextend my credit limit, when im being told by the manager its all good? well apparently they can overextend the credit to you and not tell you, what actually i was paying was penalitys and the balance was steadily growing. good luck collecting.