If a zero stars rating was possible that's what I would give their credit card service. The statement is ALWAYS late. Sometimes the PDF version is not even posted in my account for me to see before I make my payment. Their website is dismal and gets stuck when I try to make my payment and (at least it appears) it doesn't process it--and this has happened on many, many more than one occasion already. I tried twice this time with the same result, and do hope I don't find they have taken my payment twice when the system mends as I don't see them refunding me ever. Appalling credit card service altogether.