They have now closed two of my accounts. One with a zero balance. The other payments made on time, always pay much more than due. They have an awful system and could care less about the complaints or incovenience. I will not shop at any stores that use their service nor will I ever open another account with them. Reviews are TERRIBLE. Never more than 1 star. And their "customer service" is deplorable.
Recommendation: Don't open an account with them! It will damage your credit!