This is one of those companies that if you pay 3 to 4 times more then required and miss the next month they will charge you a late fee. They also have a a problem getting statements out. Numerous time I did not get a statement but was reminded after missing payments and charged another late fee even though i was ahead of my payments. I made what was supposed to be my final payment in March only to get a past due notice I still owed $238. After adding all the "late" fees it came out to just $149. I could not get an explnation as to the extra $89.
With there high intrest rates and rip off tactics your better off finding another way to charge and destroy your card.