Absolutely do not let them talk you into signing up for the monthly protection plan. I was told it was $9/month. It was $90! By the time I noticed, I had been charged $900!!! I would have easily paid off my balance within the time frame had it not been for that charge.
As is, I was not able to pay the extra $900 (I got it shut off as soon as I noticed the charge) and had to take huge fees and percentage rate and it is taking me almost a year longer to pay off than I had originally planned out. I had used them years ago and they were a reputable company.
Apparently things have gone downhill with them. I will never use their services again.