Where do I begin -
What they offer - save 20% when signing up for "store" card
What you get are hidden fees, not disclosed such as monthly card protection fees
A second VISA account you did not request + a hit to your credit
One card - a Visa account with Citibank which is divided between two account #'s without any breakdown in numbers + again, hidden fees
2 Acct #'s - one account - one card- and a monthly combined statement with no mention of the store acct #, balance, amount due. Both balances combined
High Interest rate
If you call Customer Service you will be hard up to come across anyone with a working knowledge of English, except for scripted answers
Male Representatives that treat women quite rudely, while demanding to speak with your husband
Little to no assistance, because they don't understand what you are saying
American's once again cheated out of work because the bottom line is to offshore
Calls begininng a week before your bill is due - up to 10 calls a day because your number is put on all representatives call list and it is not noted when they have spoken with you. Therefore you spend days explaining over and over again that MCCS has already called and you have paid your bill. They do not record this info.
Stores that have reduced staff back making it difficult to find help
Messy shelves, clothing on floors, most common sizes out of stock - if you need a XXXL, extra short you'll have better luck.
Do yourself a favor and shop elsewhere.