Massive interested rates aside, it's literally impossible to deal with these people and manage your account online: You cannot email them; their "system" does not generate the email confirmations it talks about; online instructions are missing or incomplete (eg, to make a one-time online payment you have to FIRST turn off AUTOPAY - you have to CALL to find get that little tidbit of info - which means you have to re-initiate AUTOPAY after the on-time payment and suffer/risk a 30-day gap in autopay); for goodness sake, you... read full review »