I received a catalogue telling me I had pre-approved credit through Shop Now Pay Later. This is the same credit I have with the Carol Wright catalogue. When I tried to place an order online, the payment option did not include the credit plan. I called the number on the web site. Long story short, I was told if I wanted to use the credit plan I would have to place my order by phone. If I wanted free shipping, my ebates rewards and the 10% discount I would have to use a credit card. I am very disappointed. They lost a $50 order and will not be given a second chance by me. I can get the same merchandise from Carol Wright. I just have to wait for it to offer free shipping again.