Hi. Pay in 3 is causing more headaches than it's worth. You have been charged late fees for no good reason, others have mentioned being charged installments twice and I was initially declined it, then allowed it except hadn't actually ordered the item from the merchant. They then told me I had to cancel the plan and pending payment with the merchant who couldn't as no active order there. This has happened to quite a few by a accounts. I won't be using it again.
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