There have been tremendous agony given by telemarketers from this company. They ask you to take overdraft like a wallet and use only when need, and interest is only for what you use. But what they dont tell is its not a wallet and money is sent to your account and they charge only interest. Anyday your outstanding always remains same. I have heard from other sources that even after you repay there is chance for further deduction. I have a suffered a lot taking this product and I suggest no one to take this. High processing fees and interest rates too and business mechanism is worst.