I think they have some good things but the perks aren't worth the interest. VERY high interest. Reminds me of loan sharks. I think the customer service people on the phone leave a lot to be desired. The store people are great. I don't want to have coupons.. I just want sales. They are pretty good at letting us use the coupons if we forget them. Do like the clothes but they charge more than other stores for the same thing.