problem is too many of the people sucked into the deal don't have the discipline or don't have the cash to keep it under control, like any credit it can work for you rather than against you but for most it doesn't...maybe that is the law of the jungle but I think it is unethical....HVN also promotes its "10% money back if you find a lower price" or whatever but it is only 10% of the difference in price eg camera at HVN $550 find a camera elsewhere for $500 which is $50 cheaper HVN will then sell it for $495 big whoop...creates a perception they are cheap when they are anything but
when the credit hits the fan HVN will get savaged on the market
