So their auto-withdrawal function doesn't work, and their intake staff on the phones or chat aren't trained or have interface to address it (so their machines won't take your monthly payment and it'll also be held against you). In the year 2023 I had to make manual monthly payments to avoid the drama. If you need the credit take it, but if you have the time/space to look for other credit lines (look for them; there are better organized banks).