Three months ago I opened an account with Montgomery Ward a company covered under the Swiss Colony family of catalog retailers and had a very bad experience, thanks to the policies of Swiss Colony. They POLICE their customer accounts monthly ans after only a few months of doing business with them, spending more than a thousand dollars, and always paying the bill early or in 2 payments, I was refused credit on an order last week because Swiss Colony told MW that I owed them money. I called them and was "referred" to their Loss Prevention Dept where I was told by a bouncy young gal that I owed them money dating back to 1984, and that oh, yeah, iI guess it was covered by a bankruptcy. Imagine my surprise that Swiss Colony had blacklisted a customer based on information dating back 28 years- information by the way that they are NOT legally allowed to have or use because the bankruptcy was discharged. I closed my account with Montgomery Ward immediately because I do not believe any customer deserves to be treated in this manner. If these companies are that paranoid about credit plans,than perhaps they shouldn't offer them. Most of the companies charge a small fortune for shipping and handling charges so when you add that into your holiday shopping budget, you'd be better off putting things on lay-a-way at a big retailer, or buying gourmet foods at a Kiosk in your local shopping mall.