Elon Financial has card member services I called to check bill do well before the due date the automated system gave me an amount due on set date so I went ahead and made the payment. Then 2 weeks before the bill was due i recieved a statement your payments is due so I called them and they go well your last payment went towards last month which I had already paid by the way. Best advise DO NOT OBTAIN ANY CREDIT CARDS THAT DEAL WITH CARD MEMBER SERVICES.