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Threatened or suggested your credit would be damaged. I had a problem with XXXX XXXX XXXXears back I was paying for a XXXX XXXX and a cell phone I paid the watch off. But I had started to have problems with the phone XXXX was paying XXXX $ and something a month and always paid on time. But my phone was doing weird things like downloading people 's emails into my contacts of people. And had my credit card hacked the phone would shut down and reboot. Itself all the time I couldn't hear on it and it would ring and ring but couldn't answer it so I couldn't even use the phone anymore. So, called to get a replacement. I had insurance. I paid monthly. for insurance i was told that I only had to pay {$5.00} for replacement when I brought the phone in, they said it was going to be.XXXX XXXX i sai