I only gave it a one because I had to put something first of all the customers service is terrible you can not get a live person to answer the phone the account holder has passed away and I sent everything back and explained it to the one person I talked to after multiple attempts to contact them now it’s almost impossible to reach a live person and they keep sending bills and adding 30 dollars a month interest and the person has passed away so they can keep sending them but it never going to get payed this is the worst customer service I ever had to deal with totally I would never recommend them to anyone