Poor customer service
RC Willey is the only place I have seen that offers credit but does not offer auto pay and does not make any real attempt to contact you for payment. They just tack on late fees and interest and report on credit, but they do nothing to help you avoid problems. The only place I have ever had late payments to in decades has been 2 RC Willey payments. Also their web page to pay on is (in my opinon) purposefully hard to navigate. Amex takes me less than a minute to make a payment. RCWilley has me pulling my hair out trying to remember where and how to sign in, where to find the make a payment link and then properly submitting for payment. Also, the local customer service people are absolutely atrocious. They make no offer to help solve problems, they just relay info seen on a screen. People in the facilities are great but support after a sale is awful.