I received Avant credit card set up account online then could not access account. I called several times only to be told they didn't have information on account. When they found account by my SSN they gave me an email that was not mines. I requested that it be changed tried to access account again but still couldn't, so I called again. They wanted me to make payment over phone which I told them I make all my payments online. They slapped me with late fees because I couldn't access my account.