Getting a line of credit: Payday loan, title loan, personal loan, or advance loan

There are Four ( 4 ) issues in Total altogether : # 1. - First it is blocking ppl from using their ( own ) credit cards. If someone is offering you the Option to repay you using a form of payment, you can't deny that payment ( money ). Although this was already known that they do this and stated on their website, doesn't make it any less wrong. If people have money on their credit cards and not elsewhere, who are you to deny accepting that money or refusing it. I'm not going to get into the legality of it, they're refusing to take/accept credit card payments ( here ). But it appears to be a cheap attempt to avoid it, if ppl decide to file credit card disputes, against them. # 2. - Customer Service ( Absent ) - I've sent them Questions regarding why it lowered my Spending Power ( limit ) by more than 90 % - using their chat box/msg. center/email - and apparently they don't think it is important enough or just don't want to answer it. I would think any responsible & reputable business/company would maintain a basic level of Customer Support. If they cared about their business. # 3. - It lowered my Spending Power ( limit ) - without just cause or explanation. For every action, there is an explanation or reason behind - reasons that they don't feel like sharing. If they had a valid reason they should say it. The only thing I can think of is that I was late on some repayments to the one ( and only ) payment plan I've ever had wit h them. Although all payments were in fact made. And most were made on time ( timeframe ). # 4. - False Advertising - They sent me email/offers that they had no intention of giving me. When I click on the links in their email and/or elog back on- I only find out that they are fake & invalid.