If I can give them a 0 I would. First off we are o...

If I can give them a 0 I would. First off we are on autopay yet we got charged a late fee of $15! I know it s only $15 but the fact is that they make so much money off of the interest that the supervisor couldn t help us out either and see how they are in the wrong, she just told me that my sarcasm wasn t helping?! Who says that? What supervisor says that to their customer? They are unethical and rude and money hungry. I told her I wasn t being sarcastic I was just saying the truth. Out of the $80 we were paying monthly I realized only $4 was going to the principle! Wow! What a rip-off. They say their interest rate is 9.9% but what is the APR because that is what matters. Obviously it s not 9.9% it s way higher than that!