I had the for a year. They stopped taking the money out 4 months ago. When I called they said I had to talk to an account manager who never return calls and never answer. Finally today they decide out of the blue to charge my card almost $400. I called and spoke to three different people to include a manager and they all refused to help me. They are dishonest and do what they want. They need to be put out of business. Do not do this. I know it sounds enticing but I ma telling you. You can save their amount of payment for 3 months and but it outright. I am paying over $200 for a video game for my son's Nintendo Switch that is $50 in the store! I was stupid!