Laurie C.
I made 1 payment one day late
I made 1 payment one day late. Charged me $28 late fee. Then I made an early payment for the next month. Now, and still although both payments have been credited to my account, I am still waiting to have it show available in my account. It has been 13 days today since I made the last payment. I understand it may take few days to ensure payments go through, but to continue to hold the payments this long is ridiculous. Their solution is to make a debit card payment over the phone. They say the payment will be available within a day if I use the debit card. It should not take 2 weeks for an already credited bank payment to be available on my account. I realize this is a card for people with poor credit, but they are taking advantage of people who are actually trying to get their credit score up and to have something to use in emergencies. Usually, I try to pay this card off as soon as possible, but sometimes I can only make a payment. If you get this card, be aware they will charge you almost $100 a year to have the card that has $300 credit on it. It is almost useless.