I would give them zero stars if possible. They cancelled their credit card out of nowhere. Received a message from them that was very cryptic (read the boards, found out that they had lost their financial backing). They provided no information that any changes would occur for ongoing payments. On payment date, couldn't find a method to pay. New financial backer, CITIGROUP is listed. No word from Wayfair that CITIGROUP is their new backer. Have NEVER paid my account late, NEVER. Couldn't locate any way to make a payment. Called and called. Transferred 5 times. By the time I reached the correct location to pay, guess what? "We are closed, please contact us on the next business day. Tuesday through Saturday calls are preferred as we are not as busy during these times." Charged late fee as a result. Called customer service on Tuesday. They can't help me she said. I stated, "I have never paid a single payment late, have purchase thousands of dollars worth of furnishings from you, never asked for a COVID-19 deferment and this is how you respond? Done with Wayfair. I will never, ever buy a single thing from them again.