"I have paid on time every month 35.00 a month had another account with Montgomery ward I paid off and sent merchandise back that didn't work so now swiss colony took it upon there selves to charge me 20.00 extra a month and I know it was because of the merchandise I sent back to the other company they even said I ordered more merchandise in January which was a lie and charged me another 160 .00 I don't advise anyone to do builsness with these rip off companies"