My recent story is that we bought new patio furniture at Sears for $599. I saved and saved for this then paid my husband cash to put on the credit card and boy was I happy we did it that way! This week it was in the sale ad for $499 and I called Sears and they refunded me the $100 to my card over the phone just like that! I was so happy I did not have to drive all the way out there and waste gas!