This site is for those who don't have a credit card to their name. They give you a small line of credit at first ($100), and as you make monthly payments, they raise your limit. Great for those who are in need of a few things, but need to make payments. I received my order on time, intact, and it was of a better quality than expected. The cost was reasonable, but not cheap. It's a "great business" in these days of foreclosures, job loss, etc.