Bad experience! Takes 9 days for a payment to clear??? Even after getting a hold a representative and getting my bank to clear the payment, no fix! Represenative said everything was good to go. Lies! 3 calls, 3 representatives, all 3 said they were going to fix my account. Half a day wasted! Still dont have access to credit, even though i paid it off in full nearly 6 days ago. Will retract my rating if they could just be truthful and tell me they messed up instead of making me call a 4th time an