I use 1st Heritage Credit all the time, the furniture company in Lake Charles, La Home Furniture and Ashley Furniture uses them to Finance your furniture w/ no intrest for one year. I've managed to get 7 accounts all paid off. When ever I want something, since my credit is perfect with them; I have no problems. I get approved every time. The ladies at the 1st Heritage Credit in Sulphur, La knows me by first name basis. I love this company.