I have tried to contact this company on several occasions. They render a message saying that they will get back to me within one hour. This has happened three time yesterday and today. I have never received an answer from them. Originally I was told that this credit did not have a time limit on it. The first rep that I talked to, Britany, is no longer with this company. I have tried to complete this situation however, have been unable to talk to a rep. They give me a message that they will get back to me within one hour, however, after three messages that I have left, I have not received a call from them. They have $98.90 of my money.