Figis one of the most popular food/gift catalogs is running a scam on their customers. As a customer you receive a tantalizing catalog along with an ad that says you are "preapproved" for a 3 pay credit plan where the 1st payment is due on 2/14/13.
When you call to place your order and get to the end, this preapproved credit turns into "your credit will be sent for approval". Why would it be sent for approval if the customer is preapproved? Then, if your credit is not approved, yor order is cancelled and you have no idea this has happened unless you call in to the company. All this time you have been thinking your order is being taken care of and being sent to you or the people you are sending gifts to.
If you were lucky enough to find out your credit was rejected, not your only option is to place the order again and pay with a credit card. If you say I am preapproved then what's the deal! I know figis values are not what they used to be. Which was - customer - customer service - satisfaction guaranteed.
I strongly urge you to bring the 'preapproved" status up to them when you place the order and question them how you will know if your credit is approved or not.
This is a scam to get more business, but it angers many customers.
Where will figis draw the line - this is an out right lie.