They are hust horrible. One I never received the statement and next, there is $20 late fees, I called to request waive it and they hang up on my call. So I called again to request and they told me that they can take $10 from late fees if I make a full payment over the phone with charge of $10 so that makes it back to where it was. Horrible customer service. They are just awful!!! I checked and this company has tons of complaints.