So I received catalog with pre-approved credit, with 3 different payments options, I was like this is great, before the Holidays, but guess what, after placing the order I get an email that I am not approved for credit, I asked why then I received a catalog stating pre- approved their asnwer was... pre-qualified doesn't mean pre-approved, can you imagine that gizzz what a b... l s... t company... I sent them the picture of the catalog that I received but after reading these reviews I am glad the order did not got through!