Valeri M.

I find it sad that EVERY ONE of the one star ratings are due to the fact that the people did not read the basic agreement. The application I signed CLEARLY STATED that this was a membership agreement to a store where they DO offer credit on purchases FROM THEIR STORE, just like a J. C. Penny's or Sears card. This shop happens to be online. The products are great. I am impressed with the selection & quality. I gave 4 stars only because the prices are a bit high, but not higher that a 20% rate on a regular credit card, but this card has a $19.99 monthly fee instead of an APR. So PLEASE READ what you're signing. This is not a scam. It states exactly what it is, and they deliver. QUIT giving one star ratings if the mistake was yours. I was looking for REAL reviews, to see what other people liked, but they are hidden by the piles of one star ratings by morons who didn't read the application. It's not even in the fine print! It's plain as day,... This is a credit card for a specific online store. Sorry for the rant, but seriously people, some of us actually do read reviews to base our decisions on. It is difficult to wade through this stupidity.