I twice ordered items and paid in full ( not "stretchpay). I thought it would be fun regardless of the quality. Twice after the shipment date and receipt of an email alleging the item was shipped, credit card authorized for over 4 days, they cancelled. Why? The lovely rep tonite says because having a shipping address is too high a risk. I was orderi g a $50 item and had paid in full. I dont know their true motives but if they cant trust a retired attorney with two homes I am not trusting that it would have been genuine silver for $50! No more TV junk jewelry for me!