Although I like their products, National Pen has predatory billing practices in my opinion. You use a credit card when you place your order, however, your bill is not made available to you until it has become past due which they then charge additional fees, so you assume they charged the card and won't find out til later that it is past due, they always look to tack fees so the billing practices are shady at best. I like the products but will no longer do business with a company that operates this way.