0 stars is what you need. I want to use a different bank account to make a payment and it takes 5 days. Tried to use express pay but it won't let you use a different card either. What a joke. They don't want you to make your payments. Nobody will talk to you. Some robot tries to take your info. Not allowed to speak to them. They can't help you either. Pay this card off and close the account fast. Wow, a company that doesn't want to take your money.