I just ended a call with an agent that is clearly in the Phillipines. I expressed my outrage regarding the LIE that your funds will be available 24 hours after payment for a "nominal" fee of 9.95. Words of advise...only use this option if you are going to be late paying. Late being you didnt give yourself a whole week for it to clear (which is ridiculous). They told me that there is a disclaimer stating 100 dollars will be available. I said where does that appear because I certainly would not pay an extra fee only to have the credit available the same day as a standard payment. She said and I beg of you to not have an aneurysm "it says it AFTER you process the payment". Not when you go to confirm the payment, after you PROCESS the payment. That thing is on its way through the interwebs. Oh and dont try to cancel, I tried to do that and a mere 8 minutes after it is unable to cancel. I am curious as to how legal that is, it is literally a lie when they say for this fee your funds will be available the next day.