This is a total scam when signing up make sure you ask if you really getting a chance to pay for what ever you buy in 90 day. A bought a bed room set for a 999 with tax and their so called charges came up to 1400 I call and ask if I could pay more than my monthly payments the they told me their system does not let them do it.
What they do is force you to go into the 36 month payment plan so you pay 3 times the amount.
Before you sign check and see how much you are going to pay at the end of the 3 months it's the same amount you got it for in the first place I guarantee. And there is no way you can avoid it