> ## Documentation Index
> Fetch the complete documentation index at: https://faq.universalaccountservicing.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Help with your account

> Make a payment, set up AutoPay, read your statement, or get help with an account serviced by Universal Account Servicing.

Universal Account Servicing (UAS) services your credit account — we send your statements, take your
payments, and answer your questions. You manage the account yourself in
[uPortal360](https://uportal360.com/).

## Most people come here for

<Columns cols={2}>
  <Card title="Making a payment" icon="credit-card" href="/payments/ways-to-pay">
    Pay online, by phone, or by mail — and how each option works.
  </Card>

  <Card title="Signing in" icon="right-to-bracket" href="/signing-in/how-to-sign-in">
    Your Account Number, your Access Code, and what to do when they don't work.
  </Card>

  <Card title="Setting up AutoPay" icon="repeat" href="/autopay/why-autopay">
    The most reliable way to keep your account current.
  </Card>

  <Card title="A payment that won't go through" icon="triangle-exclamation" href="/payments/when-a-payment-wont-go-through">
    Nine checks that fix most declined payments, plus the full error reference.
  </Card>
</Columns>

## If you have a promotional offer

<Warning>
  **"No interest if paid in full" is not a 0% loan.** Interest is being calculated on your purchase
  from the day you took delivery. The offer is an opportunity to avoid paying that interest — but
  only if you pay the full Amount Financed by your expiration date *and* make every scheduled
  payment on time. Paying only the minimum each month will not get you there.
</Warning>

<Columns cols={2}>
  <Card title="How promotional offers work" icon="percent" href="/promotional-offers">
    What you agreed to, in plain terms.
  </Card>

  <Card title="Finding your expiration date" icon="calendar" href="/promotional-offers#finding-your-promotion-details">
    Where your deadline and current deferred interest appear on your statement.
  </Card>
</Columns>

## Your account

<Columns cols={2}>
  <Card title="Your monthly statement" icon="file-lines" href="/statements/your-monthly-statement">
    What each panel and number means.
  </Card>

  <Card title="Payment and charge history" icon="list" href="/statements/transaction-history">
    Everything that has posted to your account.
  </Card>

  <Card title="Your agreement and account details" icon="file-signature" href="/statements/agreement-details">
    Your rate, your terms, your payoff figures, and copies of everything you signed.
  </Card>

  <Card title="Your information and credit" icon="user" href="/your-information/changing-your-information">
    Update your details, and check what the credit bureaus have on file.
  </Card>

  <Card title="Alerts and paperless" icon="bell" href="/signing-in/alerts-and-paperless">
    Get told before a promotional period ends or a late fee is charged.
  </Card>

  <Card title="Student loans" icon="graduation-cap" href="/getting-help/student-loan-borrowers">
    In-school payments, repayment options, and what a cosigner is responsible for.
  </Card>
</Columns>

## Not sure who we are?

You did not choose UAS — the business you bought from, or the lender that financed your purchase,
did. [Here is how that works](/start-here/why-uas-services-your-account), and
[who we are](/trust-and-compliance/who-uas-is), including our NMLS number so you can verify us
independently.

## Still need a person

Call [**(888) 233-2302**](tel:+18882332302), Monday–Friday, 7:00 AM – 7:00 PM Central. You can also
[open a request in uPortal360](/getting-help/opening-a-support-request) at any hour.