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They require you mail you payments 10 days prior to the due date. If they receive it 1 day late, they charge you $25.00 and are inflexible regarding this. I have never seen such requirements from other store charges (and I have several!) that it takes 10 days for them to receive and process a full paymethnt. They chose to loose my business than work with this. I had mailed my payment 7 days prior!
I'll use my HSBC Mastercard. They are much more flexible and pleasabt to deal with!