My wife signed with Delray CC after being told our payment would be $1250 a month (roughly what we were paying at the time). After our initial deposit the rate went up to $1335. We balked but accepted. A month later it went up to $1511. Again we were a bit shocked, but saw the payments being made to our creditors and looked at it as a faster resolution to our debt. While paying more than most mortgage's each month to Delray we managed to pay off 3 of our cards on our own and Delray routed the remainder of the $1511 to the LOWEST... read full review »