They took over the credit for other agencies and have a $25.00 permonth nonpayment fee.
They emplyed a collection agency to be very pushy and get me to pay a bill IN FULL and then they kept billing me for the remainder of the charges (all penalities and exorbitant interest charges) after my payment.
THEN: they reported the unpaid and paid amount as a default on my credit history.
I BELIEVE THEY HAVE TENTACLES WOUND AROUND THE ARIZONA STATE BANKING DEPARTMENT: this dept. has shoved the issue under the carpet.
Be warned of participating in any credit card that uses this biller!!!