When they started you could buy an item at market price, you had 90 days to pay it off before you went on a pay double journey. Now their prices are way over market value (like finger hut) and then you pay double of the inflated price. They are a bad option even if your in a bind an unable to finance elsewhere. Theu are gready and should be avoided. Find another way to get what you want/need. And yes they often mess up payments and WILL NOT REVERSE FEES. This company went from a helpful tool to complete trash.