Run a away! as far as possible! The most horrible financial service you could receive ever. Tons of advertisements booming your emails which made key information invisible. Always have technique difficulties to download your statement so you do not know what was going on. Most importantly, they provide very confusing terms, tricky traps, and very unprofessional communication so it is so easy for you to violate something and get charged a huge amount of fees (I was charged about 2,000 for 4000 purchase!). It all started with a visit in a Sears store where you were told you just need to register for an account, set an Autopay, and pay every month until the balance is cleaned. Then the nightmare began. You went to Sears again for something else and were told you could still have a 2-year payment without interests. You allowed them to set up everything for you. And then someday you noticed you got charged 2,000 interests! You called them and were told it is because the second purchase were not qualified for the no-interest service so anything you paid went to the interests first and thus the amount you paid could not cover the full amount. This was not consistent with what you were told in their store at all! You asked them to tell you what was the second purchase and why it was not qualified, and were told they could not give you anything unless your statements. They could not even email your statements but only mail to you that takes weeks. I closed my account immediate after this. If you still want to do business with them, good luck.
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