This outfit collects $400.00 for which you get nothing but a card and a catalog to purchase their junk... NOT NAME BRANDS. The appeal, I guess, is that you can buy this junk on a monthly basis at no interest. They are very uncooperative when trying to get out of it. The $200.00 yearly membership dues is owed to them even if you want to discontinue the membership.
I received a catalog on the 13th of the month and the 14th was the cut-off date for canceling. One of the rules of cancellation is that all the 'stuff' that is sent with the catalog has to be received back within 30 days. I believe they plan that so you can't get out without being tied up in their contract.
The fraud department of my bank is working on getting part of it back, but I'll probably be stuck for $120.00.