I recently opened up an account with Ginny's. They cave me a pretty impressive credit limit. I ordered all of my Christmas presents from them and all of the presents have already arrived and are in perfect condition. I do find them to be a bit overpriced but the fact the monthly payments are so low makes up for it in my opinion. I am assuming most people don't get credit from them are like me and have had credit problems in the past so I'm just thankful they gave me the opportunity to rebuild my credit. I did have to contact customer service via email twice and got a prompt reply. So far so good with this company!