I bought a diamond ring 2 days before Christmas for about $2500. I going to put it on my credit card but was sold their 90 day same as cash credit card deal. Approval took about 5 minutes as my credit is excellent. I paid off $1000 in January. $1000 in Febuary. And the ballance in March. With that apyment schedule I received a late payment penalty of $39 on a minimum payment due of $37 and a negative credit report. The customer service representative very kurt and unwilling to work with me resolving this issue. I will be closing this account... read full review »