We pay USA credit card bills through IVR. We also load them if the logins are provided. With logins instant reflection for the cards. No charge back at all. Ratio is 60% for us and 40% for receiver. We also pay Power bill, Water Bills, University fees, Home loans, Mortgage loans, car loans. For these bills we need logins. Contact me if anyone is needed our services. ggk91919@gmail.com