Their credit terms are falsely represented. I recently purchased shoes for my kids but returned them within one billing period. I mean not even ending the month but they raised my monthly to $ 40.00 when it clearly stated in their terms that $ 200.00 is $ 20.00 monthly, $ 300.00 is $ 30.00 & $ 500.00 is $40.00. I returned the products I bought with in days of buying them, and still incurred $ 7.95 on the return. My baalnce now then is $ 223.43, this is within a month, but they said my monthly is $ 40.00 until I paid everything up. This company should be closed. They lure you into believing their credit terms. They are worse than loan sharks.