The most disappointing credit company i've deal with. If only I can give no star. The customer service is 5 days only in 9-5 office hour, it will forever in queue even you managed to call at their time. By one day late fee, they refused to waive it and terminated my account without confirming with me. I have to pay 4x of late charges just for one day late payment of less than 50 Bucks. I guess that is how that make money.
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