This company defies any common sense. I have been paying my card ontime and in full from the same bank account for one year. Now they are holding my payments for 4-7 business days because I made too many payments. I have been paying from the same account for over one year. This company defies all common sense business practices. I have never been late, I have never even carried over a balance on my account from one month to the next. The worst experience in 28 years of using credit cards!!!