I took the one year deferred interest plan, logged into my account an tried to set up monthly payments which would pay off the debt in 9 months. The system only accepts the minimum monthly payment which would kick in the 28.99% interest (calculated from date of sale) at month 13. I had to keep it at the minimum payment for 2 months while my bank's bill payment system navigated through Raymour's stonewalls. Thanks but I'll complete furnishing my home elsewhere. BTWl to submit this review I had to provide my email address. Translate= junk email from them. Thank goodness for junk mail filtering. read full review »