Unfortunately, Fingerhut tries to cater to the low income, low credit, uninformed customers as their customer base. I do have a credit line with them as I purchased one item from them about 1 1/2 years ago but will probably never purchase from them again. They jack their prices anywhere from 30 - 60% higher then what you would expect to pay at another retailer or on Amazon. Then on top of it you pay absorbent interest rates on top of that and you probably are paying 2x for that item you could have purchased from Amazon. Even though I am low income and am rebuilding my credit I will find better ways to do so then pay twice what an item goes for.