A very good friend ordered, as a surprise for me, the Patriotic Cross. He sent a money order for the item and had them mail it directly to me. He included shipping and handling charges in the amount that was on the ad from the flyer he received. I got the item and was so surprised. It was beautiful. Then I got a bill saying I owed them for a balance due. Apparently, and even he has no idea how, handling charges were not paid. He showed me what he sent and he said he wasn't sending anything else since the flyer showed the full price due if not doing installments and this included shipping. It said nothing about additional handling fees. I called them and explained that this was a gift and I was not paying the balance due especially since they didn't clearly state it on their flyer. I would also mention the reason why he put it in my name and address was because he didn't want to put on their mailing list. Thanks so much. I keep getting offers 3 times a week. LOL Be warned, the cross is losing the silver finish and it's not true sterling silver. It's brass or copper. So my beautiful cross necklace is starting to look like a dull penny. I for one will never trust them with my money for anything they offer. If a 79.00 necklace can turn this quickly in less than 6 months, what are the odds that their other stuff is made cheaply as well. I'm not mad at my friend for buying me this necklace and I do treasure it. Please don't think that I don't. I'm disappointed with Bradford Exchange for their unethical practices and selling items that do not hold up as they are supposed to. I wear my necklace proudly. As a Christian and an American. But when I have proof that the additional funds requested are not actually due, I will not pay into a corporate company for misleading or felonious fees.