UPDATE...I filed a complaint with the Consumers Affair Division and recieved an email that they will be posting this on their website. I hope this kind of fraudulent dealings and extortion fees ends up in a class action lawsuit!!
STAY AWAY FROM THIS COMPANY!!! Our vet recommended them for an emergency vet bill. We recieved a "promotional rate" if we paid a set amount over the minimum payment each month. Our credit limit was $500.00. We paid that set amount of $50.00 and paid AT LEAST a week early each month. I noticed that the last two months the balance was INCREASING...when I checked my statement this month which I downloaded (which conveniently they had changed to online only instead of a mailed paper statement so I would not notice the interest change) I found on the statement that the promotional rate had expired and THEY CHARGED ME $97.38 IN INTEREST ON MY BALANCE OF $206.57!!! Are these people on CRACK????? How on earth can you justify almost a hundred dollars interest a month on a 206.00 dollar balance?? I am getting ready to contact them via email I will close this account. And I have informed my vet of their practices. DON'T USE THIS COMPANY FOR ANYTHING!! I can see now why they have so many complaints listed on this board.