Long story short, didn't know I was on a promotional deal with their credit card. I bought a 10-13 thousand dollar ring, had the bill down to $800 one month and the next month it was up to $2100 with incurring interest. Offered to pay off the full $800, they declined and said there was nothing they could do. Rings are already a scam, don't waste your time with this company who will try to milk everything out of you they can. Wasted hours calling around to get help, told me my final option was to send a TEXT to dispute charges online, final verdict, I'm paying off the $2100 and never using them again. From a 2-3 year long customer.