Absolutely appalling customer service!! 1 day EARLY paying so didn't show on statement, instead of just adjusting payment, now have a late fee that can't possibly be taken off my account, offered refund of 'over payment' but will take 2 weeks and will be issued in a cheque and still expect an additional payment in the mean time!!! Asked to speak to a manager, put on hold for and hour and 20 mins then cut off!! Completely incompetent staff with no idea of good customer service....avoid avoid avoid!!!