Zero tolerance! they sent me the reminder with a 60 SEK punishment after just two weeks of a 299 SEK purchase during the Christmas.! I asked them if it is possible to reimburse the punishment because I never delay in payments and in such short time during Christmas I have just needed more time to get my head around of any leftover payments that I should make. I will never commence a purchase if SVEA is the mediator in that business. Very bad experience and very customer disoriented staff.