We bought a bedroom set from them in January 2023 and paid mostly cash and put a small amount on their credit company. Don't have any issues with Furniture Mall but who they use for credit isn't who I'd ever use again. I always paid more than the monthly minimum thru June and thought it was paid off because I never received anymore monthly statement from them and then noticed my credit rating dropped in December so I looked up my Experian report and saw I had two overdue payments. Called the company asking what was the issue and they told me to challenge it so I did. Didn't help. Can't believe they just used my overpayments to pay the monthly amount and then charged me penalties without any notification what so ever. Don't recommend this company at all.