I only went with them because it seemed like a easy option rather then using savings or paying up front. I was slow on transferring some money onto my credit card during my first few payments over xmas and received a $38 reprocessing fee for a $150 payment the moment it was late (even though I jumped straight into the app and made the payment). There is no way that fee can be justified and will likely just pay out my account and not deal with them ever again.
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