Adorama misrepresented the financing terms of their credit card. I used their credit card to place an order over five figures. The website calculated the minimum monthly payment by dividing the total order by the term of 48 months. Their bank, however, determines your minimum monthly payment by calculating 3.5% of your total balance. In my case, this was significantly MORE than their website promised. I discovered this AFTER my order was completed when I called the bank. Adorama's response to misrepresenting terms to a customer and putting me in a position where my monthly payments were 50% more than the payment they promised was to offer me a $150 gift card. All of this after they butchered my order, forced me to buy gift certificates to place the order because their website couldn't process it properly, didn't deliver it when they said they would, and put a $4700 authorization hold on my credit card for 7 days when they were only supposed to charge me $113. I have filed a complaint with the Better Business Bureau because I do not believe they operate business in good faith I gave them every opportunity to resolve my situation and their solution was a gift card. I will never buy from this company again.