I had great credit but to medical reasons and medical bills my credut has taken a dive. This company is charging people over 200% in finance charges and that is not including $13.90 a moth for a club membership fee that no employee could tell me what it is. If you spend $2000 in appliances by the time you paid this company off you will be paying over $5000 for those appliances. SHAME ON YOU BRANDSMART AFFILIATING YOURSELF WITH THIS COMPANY!