Making luxury affordable or making people broke?

Peach Direct is no different than other companies that offer private label credit card such as Nordstrom, Macy's and Best Buy. They all offer credit cards, often with deferred interest and often with above average interest rates if you do not pay off the card before that introductory offer expires. The main difference between Peach Direct and brick-and-mortar stores is that Peach Direct uses Direct Mail to make their offers where Nordstrom, Macy's and Best Buy wait until you are at the checkout counter before they make the offer.

It is important to remember that nobody is forcing anybody to finance their lifestye. I believe that people need to take responsibility for their own financial well-being. You can choose your V, you can choose to be a Victor or choose to be a Victim.

My personal opinion is that we should take responsibility for our lives. If you don't want to be broke then lay off the Starbuck's machiado latte's and coffee cake, which costs you $6. Don't order expensive appetizers and drinks at restaurants. Order water instead and go to Safeway for your slice of cheesecake.

I will agree that credit companies thrive, and perhaps prey, on financially ignorant people who need instant gratification to make themselves feel better. Be smart, put together a monthly budget, stick to it, defer buying things if you can't afford to pay for them. And, definitely calculate the interest before making a credit commitment. It doesn't take but 6th grade math to do the math.

If somebody has actually made it to college, I would presume they are smart enough to rip up and throw away the dozens of credit card offers they receive on a monthly basis. That is what I do.

Peach Direct (GE Credit) Scammers (Going out of bus?)?
We ordered a flat plasma TV and then cancelled within 48 hours. We are now getting calls from GE's collections department because they say that Peach Direct never let them know that we cancelled the order and do not owe anything on the account. Peach Direct doesn't answer their phones and will not credit back the charges. GE says they can't do anything about it. Filing a dispute did not work a month ago and now we are about to go into a sixty day late period, at which point GE will report us to the credit bureaus, and then all of our other credit cards will blast their interest charges on our other accounts because that is what the new laws are skillfully written to do to the cosumers.

I saw a site that really sucks, it's called www.peachdirectsucks.com and if you go there, you'll see why.

Buyer beware is what should come up when you go to Peachdirect website. I almost fell for Peach Direct when they so generously gave me a credit limit of $2,000.00. Having grown up and learned that if it's usually to good to be true it usually is. I was about to place an order but decided to further investigate by reading the small print. I found out that not only will you be paying high interest but if you wanted to return the item you would have to pay a restock fee at 20% and the shipping and handling. That along sent up a red flag for me. Thanks Peachdirect but No thanks.

About a week after my wife and I ordered a 42" television from Peachdirect, I decided to check online and make sure that they were not involved in any suspicious dealings or ripoff tactics. Needless to say after finding this forum, I became quite worried. So, I took the advice given at the end of Chester Dodge's comments and e-mailed dkim@peachdirect.com with my concerns. Let me tell you, I was glad that I did. He gave me a phonecall soon after and was extremely helpful and perhaps the friendliest person I have dealt with in quite some time. He explained to me that the 100-plus complaints were a result of too many orders and too little supply during this last holiday season. He also stated that peachdirect is working to cut shipping times down to 3-5 business days rather than weeks, and that in the next 6-8-months customers will see a tracking number on their order status within a day or two of ordering.
He checked and was able to ensure that my television was leaving the warehouse and would arrive shortly. He then provided contact information for the air-freight delivery company (Pilot Air Freight), as well as a tracking number. I was able to track my package and see its exact wherabouts. He then provided me with his personal line at Peachdirect so that I could bypass the 800-number reps and deal directly with him. He was quite friendly and voiced that he would love for me to call him and let him know when the television arrived.
Peachdirect has a B rating on the Better Business Bureau website, which is considered Good, but had it not been for their oversight in supply vs. demand around the holidays, they would have an A rating. And because they have amended all problems, they probably will work their way back up to it.
In summation, I belive them to be a wonderful company, and I will definitely deal with them again. Their merchandise wasn't damaged, was in great condition, and it sure didn't take a month to get here (like some people are insisting it does). I look forward to dealing with them in the future. Sure you may pay some interest, but it's better than footing the entire bill right away. And, with promos, they usually give you up to a year of interest-free time in which you can pay your bill off without incurring interest. They're a safe bet for sure!
-Regan