I've bought 12 bags and sold 5 and until yesterday I thought they were the best thing since sliced bread. I tried using gift card and then pay off balance. I went through their customer service the it went from bad to worse. The system said my bank declined however my bank (3 of them) said nothing was declined. I called bad and email about 6 reports to they. I ask for a mgr. No use! Finally after 3 hours of trying, I finally "pd" off (2) layaways this morning. The savings are longer worth the pain, aggravation, and suffering.