They sent me catalog, I liked it, so I decided to order a vacuum cleaner and deep fryer, the total came up to $267.00. I asked them where is my credit account at so I can make payments?? They said you have to talk to the credit person about that, after they sent me my deep fryer. They did not approve me like every other poor person, they are just here to waste my time, making me have to pay a whole lump sum for something that should be paid for with their "Choose and Charge" credit account. If I do not get my credit card from them, their stuff is being sent back. They are just a bunch of problems that you cannot solve. They let you order from them, but cannot establish credit for your protection on time. They are slick!

Ginny's sent me a catalog stating that I was pre-approved for $400.00. I ordered 2 items a couple weeks later and waited, and waited. Finally, I emailed them to see what the holdup was and I was told the credit dept. was holding my order waiting for a 50% down payment. I have no problem with a down payment, but 50% of the total charge is a little absurd. Why did you send me a magazine pre-approved for 400.00 anyway? Then the "EXCELLENT" customer service really got started going good at this point. I was transferred from person to person, stayed on hold for long periods of time. I finally gave up and decided to doa little research myself. MAN...am I glad I did.