I used this card to buy my wifes engagement ring. I set up autopay right away, but 2 months later I got a call saying I havent made any payments. I go check online and the autopay somehow got cancelled. They said I owed a ton of late fees etc so I asked to have those reduced, the person online said no way. Alright, I hang up and go to their online chat, the guy there said he can take care of all the fees. Weird that one person could help me out but the other couldn't. So I set up autopay again, and again the next month I check and the autopay was cancelled/removed AGAIN. This is the WORST website and payment system that seems to be designed to make you late on payments and make money on the extremely exagerated fees they charge you.