I applied Sunday for Tempur-Pedic and was instantly declined for Wells Fargo, it says to call during business hours to look at other options... Which I know this process because I did it about 6 years ago.... Called Yesterday (Monday) and allowed them to submit to HealthCard which they offer same terms but if you slip they nail you with no 2nd chances unlike Wells... 48 month 0% but 1 day late any time in that 48 months and will reverty to regular interest which I believe is 27-29% and will tack on the deferred interest up till that time! it's scary but anyway... They declined it also which I burned them so that makes sense! Just thought Id check 
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