I originally "borrowed" $800 and I was supposed to have been given a 0% APR. Everything was fine until 2 months in when I didn't receive a bill. The company called me and requested payment. I told them I never received an invoice. Because I "missed" a payment, I was charged a $10 late fee and the APR went up to 28.88%. Another month I mailed in my payment 7 days before it was due. I received a call from the company saying they never received my payment and they were issuing a late fee!! The entire time I've lived at... read full review »