They service cc's for BryanLane Home, Venus & other various catalogs. But I paid my bill promptly. They call me all the time saying I owe. When I sent proof of payments they then said it was posted to wrong acct. I had a credit. Wanted my bank acct & routing. Ah no I don't think so. Told them to send a check. For a billing service they are very sketchy. Beware!!!!