I was drawn to ShopNBC because of their advertised Value Pay (monthly) for a $1000 watch. Completed the transaction and a couple of hours later, received an automated email advising that their credit department denied Value Pay, but that I could pay for it all now and it would be good. Not for me; this concerned me because I have near perfect credit (hovering just below 900) and thought that someone had accessed my credit without my knowledge thus harming my credit and my name. I called SNBC and could not talk to anybody who could answer any... read full review »