I paid ontime every month, more than what was required. I submitted a online Echeck for the payoff amount early March 2010. My account was not due to be paid off until July 2010. I had a 23.10% APR!! I received notification that the Echeck was accepted and approved. About a week later I received a bill from them saying that I still owed 1 Cent! I called and they said not to worry about it that they would have it taken off the account. April 9th they call and say that the check bounced and now the account is overdue and there is a outrageou... read full review »