In my opinion, if you have to pay half upfront than you probably have really horrible credit. My credit isn't great but it's good enough that they constantly are giving me a credit increase and I don't ever have to pay anything up front.
Julie T.'s review of Ginny's earned 4 Very Helpful votes
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The items that I have ordered from Ginny's have always arrived within a week of my order and...
Prices are a bit high. Quality of almost everything they sell is very good. Towels are not best...