MISSOURI -- In Jan 05 I received a catalog from Dell. They were offering interest free for 1 yr if I used the Dell Financial Credit Card. I called, ordered the computer, spent $2000.00. An account was opened in my name for $4000.00 worth of credit. I was told I was approved for the 1 year interest free promotion. I asked more than once if they were sure I would receive the free interest, if not I would pay with my 6% credit card instead of the Dell card for 18.9% interest. They assured me I had been approved and would receive the free interest. Well I started receiving my monthly statements. Interest was indeed being added. I called customer service the first time and was told they add the interest on so you know how much you will be paying if you don't pay your computer off within 1 year. It just didn't feel right to me and again the next month sure enough the interest was added on again. I called again and was told I did not qualify for the promo as my credit report was not worthy enough. I ask just what was on my credit report as I had just viewed my credit report and it was in excellent standing. They refused to release the information to me. Well, after many phone calls, talking to folks that are supposed to be in "command" over at Dell Fin. I was told there was nothing they could do that the sales reps do not have the authority to confirm the promo. What a crock that is and I told them so. I wrote a check for total amount due and mailed it today. I called Dell Fin again and told them I was going to file a complaint and was offered a refund on 1 months interest. Hah! What a misleading company they have turned out to be. Buyers Beware. Do Not Accept Any Promos for Credit Cards unless they send you a confirmation in writing. If I would have believed the first rep I talked to about this misleading transaction I would have continued to think the interest was free. Once they get your money, there is no turning back. You are just out the 18.9%. I will continue to complain to Dell but an starting to believe it is a waste of time after 3 emails and 4 calls to their offices. LOAN SHARKS comes to mind here.