This service is a complete joke and a scam. It all started when they didn't send me a bill for two months and tried charging me late fees on the bills that they weren't sending to me.
It's close to impossible to understand all of the fine print. They cover themselves through sneaky wording in everything and are terrible at communicating what you can actually expect. I had two separate interest deferred promotions with them and when I thought I paid the first one off (which my wife and I split a bottle of wine to celebrate with), they ended up splitting my payment up between the two promotional plans, it didn't end up covering the remaining balance of my first promo plan, and they tacked on $422 of the interest I thought I had avoided. So now I have the $422 interest + the $48 remaining balance stuck at 28% interest. Then when you call they sit silently on the phone apologizing because their system is "so set in stone." It's such nonsense that they can't budge one inch to help anybody.
They have way more interest in trying to take advantage of people and covering their own tracks than helping anyone.
I usually keep things pretty clean, but I haven't dropped this many F-bombs in a long time.
Smile Generation is a company that should be avoided BY ANY MEANS NECESSARY.
Bottom Line: No, I would not recommend this to a friend
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