This is how it goes .They are your best friend and willing to '' Help"" you until they don't get full monthly payment . They don't care what happens to you they just keep calling day after day. So when you think someone is trying to be your friend just lose your job or if your car brakes down and you can't make a full payment Your so call friend will call you every day until he gets his payment.
I have never missed a payment and never had a issue yet they are horrible now on their rates - will soon charge fees for not using card....If you don't bank there - don't start,,,,,