They charge you multiple payments and keep them on your account until they decide to refund you. I just placed an order and have three payments pending all week, with two already cleared from my bank. There's no way to contact them directly; you only get a bot and can't reach a live agent. Very frustrating experience!
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Shop Now, Pay Later. No Interest. 4 Payments over 6 Weeks. Simple as one, two, three, Four.