I am really hoping to make this less profitable in the future for some of these companies!!!!!!! I think we are an average American family, we bought a bedroom set for our teenage daughter this year for her birthday, went to Slumberland because she liked what she saw in their ad, they had no money down financing for 18 months, I thought with no finance charge and no interest for 18 months how can they possibly make any money ? but we have good credit and we can do it so we did. We made triple the expected payment for like 6 months and then my husband realized they hadn't sent the monthly bill???????? that is exactly where they hope to catch you!!!!!!!!! We messed up our credit in the past and now my husband is very careful to pay our bills on time BUT if they don't send a bill you still owe it-----ON TIME!!!!! They have now charged us a $25 late fee and I'm sure we'll have to pay it but I plan to spread the word as much as I possibly can!!! this was through no fault of our own but they can catch us in the red tape!!! We will pay off the remainder of the balance and leave them nothing to screw us with but PLEASE be aware!!! this was Wells Fargo finance company and they may seem like they are giving you a good deal but they have ways to screw you!!!!!!! Please don't let them make dishonest gain at your expense!!! I will pay the finance charge upfront for what I want but don't try to get it later in a dishonest way!!!!!!!!