Congratulations Nixon! I have the card as well, and it works a little differently than most.
If you get 0% interest financing, make sure you pay off the whole balance before the end of the 0% period, or else they will charge interest all the way back to when you bought stuff. It will even say on your statement how much interest you've accrued (but don't have to pay). There will even be a section that says "Interest Charges Accrued" and "Interest Charges Assessed." I attached a statement below with all of my into removed so you can see what it looks like.
I applied for the card in the Kansas City store in August 2014 and was approved for $500. Everybody has the 18% interest rate, and they don't lower it, but you should be fine as long as you buy something during a 0% interest promotion. They pulled Experian and they report to all three credit bureaus with your balance on the statement closing date.
@IaBoy62 wrote:NFM is owned by Berkshire Hathaway (think Warren Buffet.) They carry everything! They are a shopping destination and it's easy to spend 4hrs in there and have lunch too. They look at the whole picture, not just your score. They were in my BK in 2009 and they won't even pull my credit.
Dude, I spent 5 hours in there today looking at furniture! Unfortunately my approval only allowed for me to buy a couch and not max out the card!
@Anonymous wrote:Congratulations Nixon! I have the card as well, and it works a little differently than most.
If you get 0% interest financing, make sure you pay off the whole balance before the end of the 0% period, or else they will charge interest all the way back to when you bought stuff. It will even say on your statement how much interest you've accrued (but don't have to pay). There will even be a section that says "Interest Charges Accrued" and "Interest Charges Assessed." I attached a statement below with all of my into removed so you can see what it looks like.
I applied for the card in the Kansas City store in August 2014 and was approved for $500. Everybody has the 18% interest rate, and they don't lower it, but you should be fine as long as you buy something during a 0% interest promotion. They pulled Experian and they report to all three credit bureaus with your balance on the statement closing date.
Oh, I'm well aware of this! 
18 months to pay off a $1,800 couch 