Sometimes you don't have the money … Sometimes you don't have the money right away,the credit card is there to help you just keep your bill up to date,pay more when the payment is due.

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This rate is due to their call center … This rate is due to their call center customer service. The lady I spoke to was rude, uneducated, and unhelpful to say at the least. When I call a business, I don't want to be spoken too in slang. I couldn't even understand half of what was said to me.