When you receive "credit" from Massey's, do not assume that is a line of credit, despite their saying you have XXXX. XX amount to spend. When I reviewed my credit report I have found out that EACH TIME you order something from this company, using what they say is a line of credit, YOUR CREDIT RATING TAKES A HIT. They. Pull. Your. Credit. Every. Time. I am going to be filing formal complains regarding the truth in lending act and this company's policies. Beware.