I used the service for a couple of years and was initially pleased until I found they were taking money from me. After auditing my account, I noticed they had inserted a fake order every couple of months. When I confirmed with the retailer that the order was not real, I tried to dispute it, but the service closed my dispute and told me to resolve it with the retailer and my bank. Their representatives were unhelpful and struggled with communication. They refused to submit disputes to Visa as required by law. When I reported the issue to my bank, they canceled my card, and the service added excessive fees, such as a $16.95 charge for a payment that was just one day late. I strongly advise against using them, as it could negatively impact your credit. If you don't mind encountering fake charges, then you might consider using their service.
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