I set up auto debit using the default options on DFS website. Big mistake! They use a third party to "collect" the money which insures the payment to arrive two or three days later. So if you set up your payment on the Due date that is the default, hang on for a ride with Jesse James! At least Jesse was honest about, he wore a mask and you knew what was coming. DFS while auto debiting my checking account every month for a $100.00 payment was at the same time charging me a late fee of 39.50 each and every month. Once I saw what wa... read full review »