Ashley Stewart is a rip off... I have an account with them and I have spent thousands of dollars with them. I did a balance transfer to clear my balance well before my due date and they are charging me a late fee and finance charges. The customer service is horrific. I have never dealt with a company that is so unwilling to help a customer of the past 4 years who buys from them seasonally. I will no longer support a company that is not customer friendly.