Buyer BEWARE!!! Wayfair finances through Comenity bank which is a SCAM. Wayfair advertised a 0% interest rate for one year credit card which I was told I qualified for an opened.  However, If you open a credit line with them it will be with Comenity and they'll charge you an exorbitant interest rate that wasn't what you were told it would be. They processed my payment before the due date and charged me 28% interest anyway.  I tried to call the phone number on the statement Comenity mailed to me with 28% interest assessed and NO ANSWER.  I also tried the phone number on this facebook page and 800 303-1368 and no answer, fly by night, fakers.  I will mail them a check to settling my balance and closing the account (sans disputed interest) but STAY AWAY from these scammers if you don't have the money up front- do NOT open a credit line with Comenity. I am going to try to raise awareness because others may have believed the terms as advertised on wayfair.com