If I can I will give them 0 star. I went over there early in the morning because I was trying to pay my credit card balance. I paid online already but I didn't see the transaction in my bank and when I double check the balance still there. I go to the store to ask for some help because this is the first time I use their credit card. After I explained to the guy my situation I need some help to check my balance if buy a mistake the payment could not get through I would like to pay it off, then he tell me ok you want to pay your balance I can help tell me how much you want to pay. I said I want to pay off my balance if it's still there. He kept to tell me how much I want to pay. I told him at least three times I was not sure that's reason I'm here to ask for some help. After about 5 minutes finally he told me the payment it might take a few day to get through and at the store they could not check anything I need to call the credit service phone number again. He should tell me right away after I explain to him my problem. I fully understand the reason why he cannot help me. He gave me the feeling I'm not well come at all the whole time I was there. I'm not sure what did I do. He was unhappy because I went there too early when he's not really to work. And their credit card has terrible service. After a few day when I check my balance they said I have no balance at that time. I was double check twice. Then a few weeks later I received a letter said my card cannot use any more because my payment returned. I called them again and received an answer because payment returned then I have to pay almost double the balance because late payment. This is ridiculous. I was trying best in a few different way to pay my balance. They was gave me recipe number also after I paid. Then without note they tell me my payment returned ( then not really tell why it happens) now I have to pay double because late payment. read more