I applied for $1, 000 credit and was told it was interest free for 12 months. I made the first payment for more than requested, but then didn't get a bill for a very long time. When I finally found an address for them, I discovered they were billing me electronically. I wasn't getting the statements because I lost the use of my computer after a tornado hit my home. Now, because they didn't send me a bill and I didn't make the payment (how could I?) they are charging me 28.99% interest...the finance charge is $24.46 out of my $35 payment...I've already paid them $300 and the bill I just received shows a balance of $979.91 still due. I don't pay bills I don't get...this is their fault not mine and I shouldn't be charged this ridiculous amount of interest to borrow $1, 000. When I called them, they gave me the runaround. I can't pay bills I don't get!