When ordering through the Sears catalogue, if you change your mind they mail you back a refund cheque in a month or so no matter how you initially paid for it. I went into the Sears store near me to order and paid for the gym with cash (I hate credit cards and buying stuff I don't have the funds for). So when I was told they didn't have the product in stock and I'd need to cancel my order, I was furious that they wouldn't give me my money back right away. Their excuse was that the refund process is computer-controlled and they didn't want me getting my money back twice because that's what people like to do. I refused to leave until I got my way and they finally relented and gave me my cash back. Two months later, I got a cheque in the mail with the same refund amount. I tore it up, went in to the store and gave it back to them because I wanted to prove my point that I wasn't trying to scam anybody...I just wanted my gym when I wanted it :grrrrrr: