(Updated 2013) This horror story about the Rooms to Go credit card has me reconsidering my choice. My girlfriend and I are in dire need of some new furniture. We recently moved in together and the place is empty except for our bed. The goal is good furniture that is also cheap and that is what Rooms to Go offers. I compared other stores and no one comes close to offering sets like this for the under $1000.
But we have a BIG PROBLEM and that is we are tight on funds to pay. We both work and have decent incomes but do not have the cash on hand to buy. Paying over time should not be a problem and that is why we want to pay with a credit card.
I was searching for the Rooms to Go card application and came across a nasty review/horror story on another website that claimed GE Money Bank gave approval for the persons account but the store wanted a 20% downpayment on the purchase. Then there are more reviews underneath that claim the opposite and never being asked for a downpayment and no problems with the credit card.
I guess my first question is who do I believe? I know store cards can be sketchy sometimes and I don't want to apply for this card if it will lead to surprises. Should I ignore this complaint I read since the other reviews are positive?
Second question is about the credit score/requirements for this card? We have average credit but have tried applying for those better cards you see advertised on TV but have gotten denied. Will we encounter the same with Rooms to Go?
This is the financing deal. https://secure.roomstogo.com/credit/CreditDetails/index.cfm Thoughts?