I opened my account last year simply to take advantage of the interest free period of 24 months. I have made payments each month of at least 2 times the minimum payment for the last year. All of a sudden I start getting calls saying I have been late with numerous payments and getting late and interest charges added to my account. I said that this can't be, because I make my payments way ahead of the scheduled due date. I was informed that because I paid TO FAR AHEAD, they credited some of my payments to the previous billing cycle even... read full review »