Pay Just Now withholding rightful refund with reason.

Avoid at all costs. Help yourself and save for 3 months and buy the thing you need cash if you can. They can't assist you with a simple thing in case a transaction goes wrong because of issues on their side. That last money you had will be gone and God knows you wont get it back. Just avoid it and try something else... If something goes wrong, just know they will tell fairytale and you won't get your money back.