They sent me the bill the day before it was due and they gave me NO way to pay the bill except giving them my bank account information. Sorry but I don't give that out to anyone, it's too easy and dangerous for a shady company to clean out your bank account. On my bill it said if I didn't pay them the minimum I would have a $35 late fee and my APR would jump to 29.99%. Wow! I cut up the card and I'll never use them again.