This company charged me for late fees even though I had paid the payment before the due date. They only allow 20 days to make a payment that would count for that statement. Anything made in the other ten days is applied to the previous statement making your payment late, even though the due date had already passed. Then they raise your interest to 22.75% and charge you late fees of $39. I spoke with several representatives who stated it was in the terms and conditions. I read them thoroughly and that was not stated. They are committing fraud and trying to cheat honest people. I made every payment on time, some months I made two payments. After 3 months, I closed the account in full. I don't want anything to do with this company ever again. Beware.