Horrible customer service. This is the 2nd time they are not showing my payment as received. I'm not made aware of it until the next statement. It showed up on my credit report! Now I have other credit cards and other monthly payments, this is the only blemish I've had on my report in over 20 years! One payment I mailed in and the other I did over their phone payment system! Don't trust them and be aware that they will ruin your perfect credit rating over this poor excuse of a store. I called their customer service and even with my account's good standing for years now, I was treated poorly and as if it was my error. This account is NOT worth it! Too many issues!