I ordered something for my father's birthday and chose the installment payment plan. Upon completion of the order, the full purchase price was charged to my account. When I called to talk to customer service, they said it would drop off. It has been five days, and the charge is still pending, tying up money I need for other bills. When I called again this morning, she stated it would take 24 to 48 hours to drop off. So I canceled the order. Nowhere in the order details did it state that Bradford Exchange would hold the entire purchase price for over a week. I will never shop there again.