pac promos was the worst decision ever!! i cancelled three months ago and just received a call saying that i haven't been paying and they were going to ruin my credit. i cancelled my debit so they couldn't charge me because i had a feeling that they would continue charging me after i cancelled. that is exactly what they are trying to do. they do anything they can to get money out of you. i have rarely heard anything good about them. DO NOT SIGN UP WITH THIS COMPANY. they will take your money. read full review »