Was 5 stars. Then, even after having a 100% payment rate over hundreds and hundreds of dollars AND made quite a few early payments, I had to defer (not miss, defer) 2 whole payments. That are now paid. And they took my spending power from well over $1000 to $130. Could give me no real reason why. Said they couldn't change it. So I'll take my business somewhere where they appreciate people who pay on time. Good luck with your business model. You'll need it. Edit: I would not like more info. Bye