I'd give 0 stars if I could. They have done two separate credit checks on my credit report for the same account for Payin4. When asked to remove one atleast they state they can run credit checks whenever any purchase is made. How ridiculous, once is understandable, anymore than once on the same account is wrong and can look terrible on people's reports also can bring down credit scores. Won't use this service now seeing as though they don't actually make it very evident about this, people wouldn't even realise because it's in the tiny print in their T&Cs of multiple pages that no one reads.