BEWARE - promise to pay arrangements, even when you make them on time, now still result in a late fee. This was never my experience before, but it's apparently a new policy, according to the phone rep. She also said Verizon recently made a lot of changes to its system. As many are saying, the app has become user unfriendly. I can't log in through the app or leave feedback online OR through the app. Two efforts to chat with a rep online have been ignored. It may be time to change companies.