I returned an Instyler with the appropriate RMA authorization number on 10/28/08. This offer initially billed ones credit card for 14.00, then, if you didn't like the item, you returned it for full credit. If you kept it, they billed your card for 3 payments of 39.99 plus shipping. Today I called to find out what had happened to my credit. The first horror was that the first time I called, I was caller 96-yes, you heard right 96. The second time I called, I was caller 79. I waited about 40 minutes to speak to someone. She said oops- we'll post that credit today for $79.00. That means that they never ran the credit when the product was returned, they billed my credit card for two payments of 39.99 and, had I not called, would have billed it for a third payment. When I mentioned how suspicious it seemed that I had to actually call to get my credit, the operator sort of fluffed it off like it was a one time oops. I think not. I think this is their standard practice, hoping most people will NOT check their statements, and will never notice that they have been defrauded.