I was late for the first time ever, this month. They called 15 times in an hour and a half. I've been on time every month. I've paid extra every month. And this ONE month I'm late I get treated like a thief, talked down to by customer service and repeatedly harassed. I was going to catch it up this week and pay it in full but now I think I'll just cut up the card and walk away and keep my money...... Not like they can garnish my check, I'm disabled. 🖕