Stay Away!
I thought I signed up for a monthly payment plan, but they took a years worth of charges up front. It worked OK for a while. but then my remaining credits disappeared. I was under the impression that we got a set number of credits each month, but now I'm not so sure if i will ever get any more credits. Of course, their customer service is non-existent. Seems like another Chineese rip-off of American technology.