They had a sale on hot tubs and was offering a Wayfair card with 0 percent interest for 12 months. Once they shipped the hot tub they waited 2 months before they sent you a bill showing that they are changing you interest from the beginning call and made 2 different reports saying I didn't sign up for that they will not honor their advertising for the card, I told them that I was disabled and lived off a fixed income of less than 1400 a month it does not matter to them what kind of hardship that its put on me