I’d give negative if I could. When I initially financed with Dell things were good… autopay was set up and it was easy to reach customer care…. A few months later I was notified that Dell is now financing through comentity bank who are not in the states. I received late fees then calls from other country asking for my personal banking information because the auto pay didn’t transfer. This company makes it difficult to make a payment it has to be mailed, automated phone payment or done online and they want your personal bank rounting and account information however you choose to pay. This was the most uncomfortable company I have ever dealt with. Steer clear of Dell financial and comenity capital bank because its too shady