Be wary of GE Capital especially the Paypal Smart Connect. If you pay your bill too early for the next month because you are going into the hospital, you will still be charged a late charge. Even if GE Capital customer service tells you that you won't be charged a late charge, don't believe them. Either their customer service department is not trained or they are trained to mislead and get more $35 late fees.
My entire balance at this point is just late fees that I continue to get charged. I was told to pay an amount to cover the October and November bill. I did but was still charged a $35 late fee on a supposed $41 payment. I wonder how much they earn on all those $35 payments. They should be ashamed. On top of that, it took 6 months to start getting a paper statement instead of online that I could not access. It took 6 months and 3 phone calls. Unacceptable. I wrote them a letter, no response. Today I sent them an email, we will see. If I get no response, I will file a complaint with the attorney generals office.