I'm confused about the negative reviews, I've used them 5 times. Always paid off at the 90 days (same as cash) if you make the regular payments you will be 3 payments shy at 90 day. So I make an extra payment each month. No taxes. No fees. Yes they outsource their customer service to India but who doesn't these days.
My only complaint is this isn't offered at enough businesses. Sears KMart and ABC Warehouse seem to be the only ones I know that use it..