Tidewater Credit Services is a big scam. I purchased furniture from Rooms to Go, and agreed to have a same balance financed through Tidewater. I agreed to 90 days same as cash. I paid my balance in full withing 90 days of receiving the 1st bill, however if you do not pay 90 within the delivery date, I was charged 21% interest on the total amount charged. Not 21% on the balanced owed, but the total amount that was charged. Maybe this is okay for some people, but I know if you try to do the right thing and make payments on time, then you shouldn't be penalized so heavily.