Stay away from this company. Absolutely terrible. I accidentally paid off my card. I called and said it was a mistake. Then I called back and said never mind keep the money. Then 73 days later they returned the money. I called and said I didn't want the money and immediately returned it within hours. They then charged me interest for 2 months that they had my money and said it was in perpetuity. I said what you had my money, you can not charge me interest on money you had, that is illegal. They won't reverse the interest charges now I will have to sue them for 40 dollars because no way will I pay this lying cheating company any extra money.