We just got our bill and it had a interest payment of 150.00 on it, When I called customer service they said the item in question was bought on a promotion.No one ever told us this in the Jewelry Area. After straightening the account.The service rep said there is a 10.00 fee to talk to a live person.THAT'S A RIPOFF as those who are handicapped or elderly need live folks to talk to.The computer can be a foreign situation to some of the population. Hopefully J C Penny,s will fall by the way side like Zody,s or White Front stores.