These people are horrible. They have rebuttals with every complaint you tell them. They have poor customer service, they drop or hang up the phone on the customers and have a long wait period to get them on the phone. Even there managers hang up on you. Im tiered of dealing with ge capital/credit care/ge money bank. I just wanna pay them in full and close the account and never want to deal with them again. I was one month late on closing my account and they tacked all the interest and wouldn't let me pay what I owed and close the account. I had the same scenario with another deferred interest account with someone else and they were willing to drop the differed interest if I payed them in full. Thats a company I would do business with again.