PJN is a NO

If I read through the comments it confirms my experience and it's a definitionally NO from me as well. What is the point of paying for an item over three payments if your "limit" is lower than the actual amount and still need to pay 80% of the total amount. And then I queried this, I got a long story of what I need to do to get my "limit" which is ridiculous. So needless to say, told them to cancel my account.