I purchased a Samsung S21 Ultra and opened a payment account through them. 1st they never contacted me through email, by phone or by mail as to where my payments were to be made. When they hit my 100% ontime credit score I noticed right away and was given a number through CREDIT KARMA. So I called and set up auto payments. They hit me again for the automatic payments not covering the previous balance. I told them I nolonger needed the account and will just pay the phone off in full. So I went ahead and paid the remaining balance in FULL. Since that I have been hit for TWO additional missed payments. Obviously I am done with the company for life but hopefully this review can save some people from a headache.