I believe most of fingerhuts merchandise is store returns. I have even received a watch that was later found to be fake. They double sometimes even triple the price because they know credit challenged people don't have a lot of options. I have paid on time for years and needed to move one of my payments date, mind you I had never been late and paid off balance several times. I got a representative on the phone and when told that I needed to move a payment date I rudely got the third degree about why I couldn't make my payment on the due date. You have the nerve to give me the third degree when I was never late paid off balance on several occasions and I have spent thousands on their pre owned over priced merchandise. I am paying them off and never using this service again.