I purchased a mattress when they had 24 months no interest. The mattress and box spring costs about $500. $500 / 24 = @ $25 per month. I have consistently been getting late fees for paying $25 per month. They say my minimum payment is $49 per month. Called them and told them that if they removed the late fees I would just pay it off. Hung up on waiting to get a supervisor. Called Sams Club customer service and asked to speak with someone THERE who is a liaison with Synchrony bank. Got transferred to the customer service line at Synchrony bank. Just cancelled my membership because I guess they don't care about the $500 a month I spend there. I have to drive twice as far to Costco but it's worth it.