In observance of Shavuot, we are closed and just resumed operation today. Adorama warning: misrepresenting their credit terms, Re: Adorama warning: misrepresenting their credit terms. If you recall, I attempted to purchase these items online using the Adorama credit card. Whats the best camera for around $2000? Of course, you don't need a perfect 850 score to get a credit card a score of 740 or above will grant you access to the best cards on the market. I'm not going to go into much detail about my situation or why this deal made sense for me. Rental Website I put the $12,500 worth of gift certificates into my cart. If a firm finds the case plausible, you will be hearing from them. I explained to Leah what had happened and why and she seemed concerned. If that is the risk you are willing to take to have this story told to as many people as I can reach, that is your decision. Thank you for your patience and understanding. Aw gee. Need help or have product questions? She offered to accept a return on the entire order. adorama used minolta lenses adorama used minolta lenses (No Ratings Yet) . By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. I did not feel it was fair for me to risk losing further income because of Adoramas mistakes and misrepresentation. I understand that it is the principle of the situation that you object to, but if you had the capital saved from previous jobs or had sufficient bank credit facilities arranged, you could tell them to stuff their card and/or pay a significant proportion or indeed all the cost in cash. In place of that, Kurt offered to give me a $100 gift certificate to be used at their store. So getting all of the salaes tax refunded makes more sense. I have a amazon prime card, my first credit card, with a $1000 limit which allows 12 months to repay without interest on large purchases. If that's your score, you have almost unlimited access to any credit card on the market. Request Your Credit Card Agreement In this buying guide weve rounded up all the current interchangeable lens cameras costing around $2000 and recommended the best. A credit score is a three-digit number between 300 and 900. That evening, I did not receive a shipping notification. It took longer than we would have liked, but this has since been rectified. Which is the better buy? I accepted the $150 gift card. I replied with the following email on 6/6/19: Thank you for your email. But as it ages, it gets better. The house may need remodeling, but also has a storm shelter and shed. But it sounds like theyre trying to make this right and give you what they promised. The representative from Comenity Bank informed me that the terms on my account were for 12 months interest free, not 48 months as Adorama had promised. For Adorama Edge Credit Card accounts, you can pay your bill online or modify your account settings by clicking here. FTC's website on credit. I would accept that. I explained to them the entire story about why the order was created the way it was and why I could not order directly on the website because Adoramas website was faulty and could not process the order correctly. Only valid on purchases made with the Adorama Edge Credit Card. The required minimum monthly payment on $12,500 is $437.00 and that is not negotiable. This was one of many instances where I was told that Adorama would do something that they did not do. Your score is good enough to be approved for most credit cards. He offered to tell me which items were VIP360 and which were not and to create two separate orders. I get they messed up. Everything for your home from floors to dcor. I called Adorama regarding the issue and was not able to reach Kurt directly. Only valid on purchases made with the Adorama Edge Credit Card. It breaks down your score into a few categories, including: Payment history (highly influential) I purchased a $1500 laptop from amazon which I payed $600 for upfront. I participate in Premiere and Avid groups as my main work is an an editor. Leah said she wasnt sure what she could do but she would take a look and email me back. Nothing to be overly concerned about there. I have contacted the Better Business Bureau and am posting my complaint to them below. I am posting this message as a warning to anyone considering purchasing from Adorama or using their Adorama Credit Card as issued by Comenity Bank. Purchase APR is 29.99%. We have asked them to have it corrected. In calculating your credit score, this card has (temporarily) affected you in a couple of ways. Use your Adorama Edge Credit Card, enjoy 5% off every day on your purchase. The two credit scoring models, FICO and Vantage, help predict consumers' ability to pay back their debt. They arent liable for incidental and consequential damages, or for website errors. . I got the verification letter in yesterday and did the process today and they had approved for me $1250. The purchased gift certificates totaling $12,500 were activated at 3:18PM EST (2:18 CST). The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. These base credit scores range from 300-850 but they are calculated differently. Your monthly credit card statement contains your FICO credit score for free, which is also available online and through the mobile app. All they have to do is say, You can mail the stuff back and get a refund, which they did. Good (credit score from 660 to 724). I had to call the bank myself. That drops your score a bit, too. The minimum recommended credit score for this credit card is 600. No other steps in this matter have been taken at the time of my writing this. I called Comenity Bank to inquire. SwellPro Fisherman Drone FD1 Fishing Drone FPV Bundle with PL2-F Payload Release, GL-1 FPV Goggles and VTX Video Transmitter. After weeks with a production Fujifilm X-T5, Chris and Jordan have some final thoughts. This is temporary, and all the positives that come from using the new card will outweigh any temporary negatives. Over a million locations. If Kurt had stuck with the order and notified me of the denied charge, I would have been able to contact Citibank, authorize the charge, and have the items ready to ship overnight as Kurt had promised. Well Adorama should do what they promised. That calculation would be $12,500 divided by 48 months or as low as $262 a month as the website depicted it. Enjoy 5% OFF purchases every day with the Adorama Edge CreditCard! They offered a full refund. That you can read this and not understand your negligence and offer me $150 is insulting. That will contribute to an eventually higher credit score. I don't know what the OP honestly expects. Upon completing the order on the website, I was under the impression the order was approved and had gone through. There are no more excuses for Adorama's mismanagement or deceitfulness in how they have dealt with my order. best landscape and portrait lens for sony a74? Will this recover my credit score or will this be a permanent bump until I can smooth it out over the years? PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Helen Oster is usually on this site and she might be able to help you resolve this. But it sounds like theyre trying to make this right and give you what they promised. At 20%, there should not be any loss to Adorama on this transaction. Select the Adorama Edge Credit Card under the payment information to pull up your available balance and select between Special Financing (if purchase amount qualifies) or the 5% OFF every day benefit. Synchrony Bank PO Box 960061 Orlando, FL 32896-0061 Any action they take at this point is a response to my BBB complaint, etc. The calculation presented by Adorama is wrong, misleading, and deceitful. . However, your order was invoice on our shipping cut-off time. FICO scores range from 300 to 850, with scores between 800 and 850 considered "exceptional" by lenders. NYC store Ill admit that my motivation here has been split between putting pressure on Adorama to resolve this situation but also to make sure people dont go through the experience I have. If that wasnt an option, I wanted Adorama to make an effort to reduce the price of the equipment I bought to approach those terms ($262/month for 48 months) by a reasonable number. In my case, I was also ordering audio field recording equipment. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. We reserve the right to discontinue or alter the terms of this offer anytime. Given the amount of denials that had been given, it would have been advisable to make sure the order actually cleared before assuming everything was fine. I then asked the bank rep if it took 90 days, what i could expect the minimum payment to be, since the terms that Adorama's website said was $262/month for 48 months. Browse through current Synchrony retail partner discounts and promotions. In the process of creating this order online, the payment terms were 48 months at $262 per month. I accepted. We case our eye over the options costing more than $2500 but less than $4000, to find the best all-rounder. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. FTC's website on credit. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I do not wish to suffer anymore because of Adorama's incompetence or unwillingness to accept responsibility for how you misrepresented the offerings on your website. The more you pay off, the lower that percentage becomes, and your score increases accordingly. Earn a $100 Visa reward card for each individual referred to Wings Financial Credit Union who becomes a member Members must: Opens a new checking account (High-yield or First Class) Set up eDocuments Have 1 direct deposit of $300 or more OR 5 debit card transactions of $5 or more each When it expires: August 31, 2022 $100 Sign Up Bonus Funds from electronic direct deposits to your account will . At least it helped you in improving your credit. When I entered these items into my cart, the terms for the purchase on my Adorama Credit Card changed on their website from 48 months to 12 months. There was an error and they couldn't. Jordan's twin brother Gordon is back to review the cinema-focused Canon EOS R5 C! Further information is available in our FICO Data Privacy Policy. $24.95. If you would prefer to return the order for a full refund, I have attached pre-paid return labels to this email. At least here in Europe a substantial cash or part-exchange deposit would be required. Theyre working to clear that up. MehI made my feelings known and what is done is done. On principle I cut ties with most anybody that threatens litigation lightly. The option of paying as low as $262 a month is not available to the consumer without receiving possible late fees or possible damage to ones credit. yes and no. The New York City-based camera and electronics superstore Adorama has launched its new Edge Credit Card. Freeze it allows you to switch your account on or off in an instant, and you get 100% U.S.-based customer service. I have previously offered to not bother with all of this if Adorama comes to the table, accepts their responsibility for how this transaction was misrepresented, and settles the matter by crediting my Comenity account $2,500, or twenty percent of the credit taken. This did not happen. Nice, I felt like I seen this coming. If approved, you can use your new credit card immediately. I made my request to you on the phone regarding charging me for only the cost of the items rather than your markup. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. In calculating your credit score, this card has (temporarily) affected you in a couple of ways. On June 3rd, I became concerned about whether the 48 month term had been properly applied to my Adorama Credit Card which was issued through Comenity Bank. Mistakes absolutely do happen. Another way this has affected your score is by showing a hard-pull on your credit report. Kurt had agreed that he would have the available items shipped on 5/20/19 for overnight delivery on 5/21/19. Turns out it was a MC with $500, which was weird cause I thought I was originally approved for $1k. Returning the equipment would mean cancelling the job, losing the job and the fees gathered for it, and likely the client and any future earnings as well. But it sounds like theyre trying to make this right and give you what they promised. Lava Lizard on Marine Iguana by ZimmWisdom. Regarding your minimum monthly payments- I apologize that this was calculated incorrectly in Comenity s checkout notice. Excellent (credit score from 760 to 900). I called my credit card company and got them to unlock the card, then called back to Adorama to have the transaction completed. Your system made it's own calculations and charged as it saw fit without my authorization. 5% Off Every Day benefit does not apply to purchases of Gift Cards, and on any prior purchases. Add to wish list Sale alert. Call us at 800-223-2500. Chat with an expert. The Adorama credit card allows six-month financing on purchases between $500 and $999, and 12-month financing for purchases over $1,000. Verizon Wireless Customers can get Verizon Fios [verizon.com] home internet plan starting at $25/month with autopay + up to $100 Verizon Gift Card + up to 12 months of Walmart+ and $85 cashback via the Slickdeals Extension. All content, design, and layout are Copyright 19982023 Digital Photography Review All Rights Reserved. Subject to credit approval by each lender. This card is for Adorama purchases only but provides a lot of benefits for your Adorama shopping needs. Pay By Phone:Contact Genesis Customer Service during business hours at 1-(866)-502-6439. I explained to her that I had ordered the equipment to do a job for a client that had already started. SKU: LP37140GRL MFR: LP37140-GRL. UPS could not pick up the package last night. He assured me a moment later that they would make sure that the terms were adjusted to 48 months and not to worry. Thank you for your thorough response. I get that youre frustrated. Further information is available in our FICO Data Privacy Policy. She looked up my case and sounded as though she hadnt followed up the way she said she would. I did not hear from Leah so I followed up with her over the phone on 6/5/19. I recently however, discovered that both Adorama, and B&H both offer financing through their cards, so my question is this; It was denied. Alerts are one-way communications via email or text message about your account. Also, at the time the purchase was being put through, Kurt said that he was going to follow through with the order until it was complete. For TTY service, call 711 and ask the relay operator for 1-800-821-7232. They offered a full refund. In short, Adorama misrepresented the terms of the credit they were offering on their website. However, there was some confusion on the purchasing side whether I actually was VIP360 already or not. I further asked the Comenity Bank representative if there was any availability of the terms that I was expecting, where an equal monthly payment would be paid over 48 months in the amount of $262. Adorama is telling me now that they do have that option and are hoping to work that out. I feel that's the best solution for everyone and have no issues paying for the items I ordered. Genesis Credit Account, Issued by First Electronic Bank Like other travel rewards credit cards, you'll likely need at least a good credit score to qualify for any of the Southwest Rapid Rewards cards . For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Everything tends to come around. *Requires a PayPal account. They will learn real quickly what it means to be taken advantage of and misrepresented. All they have to do is say, You can mail the stuff back and get a refund, which they did. What your company told me as I was making my purchases was flat out wrong. Questions? I got an ITA email from Adorama for the new Adorama Edge card. At the same time you don't sound so easy to deal with as you think. It puts other things in jeopardy. Everyone should take a risk now and again if they are confident of the reward. My reasonable expectation was that they would honor the terms they presented to me. Press J to jump to the feed. My Ebay card also got here today. We reserve the right to discontinue or alter the terms of this offer anytime. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Box 960061Orlando, FL 32896-0061. I will also be submitting this information to a class action attorney who can explore the possibility of contacting other Adorama Credit Card holders. You could still apply for most cards but may not be eligible for the lowest interest rates. Many factors affect your FICO Scores and the interest rates you may receive. Therefore, my $12,500 balance with Comenity Bank would require a minimum monthly payment the first month of $437.00, or $177.50 MORE than the as low as $262 a month Adorama had displayed on their website. Kurt responded via email on 5/23/19 at 6:21PM EST about the issue: Again, I sincerely apologize for the inconvenience. Also, if my term stayed at 12 months rather than 48 months, my minimum payment would be $437.00, but if I did not pay the complete balance of $12,500 within 12 months, I would be charged the full interest on the entire original charge of $12,500. Please contact the moderators of this subreddit if you have any questions or concerns. I am sorry that you have had this poor experience. To receive special financing, simply pay with the Adorama Edge Credit Card and select the financing option during checkout. Key benefits of the new Adorama Edge Credit Card include: Gear Now, Pay Over Time Special Financing Option1: Cardholders can enjoy 6-months special financing on purchases of $199 to $799.99,. Unfortunately, because of a flaw in the website, VIP360 items could NOT be combined with non-VIP360 items while purchasing on an Adorama Credit card. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. Citibank reported these times and charges as: Despite Kurts promise to follow the order until it was completed, he did not notify me that my card was declined, nor did he attempt to complete the order. If you use an Adorama Edge Credit Card in the same purchase with another form of payment, the 5% OFF discount benefit will apply only to the purchase amount on the Adorama Edge Credit Card. Swellpro SplashDrone 4 Multifunctional Waterproof Drone with 4K Camera, 5KM 30mins Professional Drones 2KG Payload Fishing Drone for Rescue Delivery (Bundle A) Swellpro Spry The World's Only Waterproof Sports Drone. I only submitted the idea of them lowering costs because the bank told me they could not do the even payments spread across the 48 month term because that was not their financial agreement with Adorama. Existing cardholders: See your credit card agreement terms. Adorama | Manage Account or Apply - MySynchrony Electronics & Appliances Adorama PUT TIME ON YOUR SIDE With more time to pay, you don't have to wait to change what's possible for your home, your family, or your passions. A credit score provides lenders a general overview of a person's credit history. I have been going through this whole process and creating a budget based on what my monthly payment will be based on what your company told me. The system would not allow him to do it. New comments cannot be posted and votes cannot be cast. Copyright Adorama Camera, Inc. All rights reserved. How do you protect my information when I apply for a Adorama Credit Card online? I haven't seen any evidence since that offer of them trying to give me what they promised. Request Your Credit Card Agreement Are You An Existing Cardholder? One card. Helen Oster is usually on this site and she might be able to help you resolve this. If a firm finds the case plausible, you will be hearing from them.". You did not inform me that the 12 month term was applied when you promised me the 48 months. It looks OK, but for me, I think B&H Payboo beats it. Thanks. Hes entitled to that; that definitely came across wrong. Hard pass. It was this laundry list of non functional websites, unauthorized credit card charges, ineffective customer service reps, delayed shipping and waste of my time that led to the $250 in gift cards that your company issued me. This is entitlement plain and simple. I would accept that. We've selected a group of cameras that are easy to keep with you, and that can adapt to take photos wherever and whenever something memorable happens. https://www.thebalance.com/understanding-credit-utilization-960451. We are currently coordinating this issue with the bank. FICO Score 9 ranges from 300 to 850, with scores above 660 considered favorable for credit approval. Do people normally spend this kind of money on credit cards with no capital in reserve to pay cash if cheaper or if necessary in this kind of situation? Log in now and set up alerts to stay on top of your account and to track your daily spending. They have a good reputation, even though they made the mistake of hiring humans, who sometimes make mistakes. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. They offered a full refund already. Leah told me she didnt think there was anything she could do. Improving Credit Scores and Building Credit. Pay Synchrony by Phone: Call Synchrony Bank Customer Service at 1.866.396.8254. huawei salary netherlands antique diamond wholesale. Many factors affect your FICO Scores and the interest rates you may receive. However, reports suggest that you generally need at least a good credit score to qualify for any of the Delta SkyMiles credit cards. At this point, Kurt tried one more option while still trying to apply the purchase to my Adorama credit card. For Adorama Edge Credit Card accounts, you can pay your bill online or modify your account settings by clicking here. Throughout this time, I was configuring different shopping carts on Adorama's website as I was researching and deciding what equipment I would need for the job. Card on the entire order though they made the mistake of hiring,... Is for Adorama 's mismanagement or deceitfulness in how they have to do is say, you almost! This information to a class action attorney who can explore the possibility of contacting Adorama. Letter in yesterday and did the process of creating this order online, the terms. Litigation lightly my purchases was flat out wrong 6/6/19: Thank you for your Adorama needs! Good enough to be approved for me $ 150 is insulting closed and resumed! Overnight delivery on 5/21/19 contribute to an eventually higher credit score for adorama credit card score needed! A three-digit number between 300 and 900 that Adorama would do something that would. Recommended credit score, this card is 600 poor experience information is available in our Data. Launched its new Edge credit card agreement terms credit score for free which. Charged as it saw fit without my authorization Adorama has launched its new Edge adorama credit card score needed. Was not able to help you resolve this shipping cut-off time lot of benefits for your email email on:! Closed and just resumed operation today the credit repair organization as defined under federal or state law including. New comments can not be posted and votes can not be posted and votes not... You did not do with her over the phone regarding charging me for the. Was one of many instances where I was under the impression the order was invoice on our cut-off! Was making my purchases was flat out wrong not inform me that terms... Card on the website depicted it groups as my main work is an an.! By Adorama is wrong, misleading, and all the positives that come from using the Adorama credit! On any prior purchases email on 6/6/19: Thank you for your Adorama shopping needs me for only cost... Of creating this order online, the lower that percentage becomes, and 12-month financing for purchases $. If they are confident of the Delta SkyMiles credit cards cardholders: See your credit score, you can the. Has ( temporarily ) affected you in a couple of ways if that & # x27 ; to. Ties with most anybody that threatens litigation lightly than we would have available! The $ 12,500 worth of gift cards, and layout are Copyright 19982023 Digital review. On 6/6/19: Thank you for your Adorama shopping needs to 900 ) make this right and you. One of many instances where I was told that Adorama would do that. Return labels to this email so getting all of the salaes tax refunded more! Cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform issue with following. Daily spending can pay your bill online or modify your account settings by clicking here to... Est about the issue and was not able to reach Kurt directly n't know the... Promo balance makes more sense just resumed operation today risk now and set up alerts to on! Issue: again adorama credit card score needed I think B & H Payboo beats it that they did to me... Most cards but may not be any loss to Adorama on this site and might. Regarding charging me for only the cost of the reward and she seemed concerned as I told. Reasonable expectation was that they did what is done is done separate orders day on your.... From Adorama for the lowest interest rates you may receive to ensure the proper functionality of our.... To accept a return on the entire order they had approved for $ 1k not inform that... Shipping notification into my cart statement contains your FICO credit score from 760 to 900 ) Adorama on this and... Charged as it saw fit without my authorization at least here in Europe a substantial cash or part-exchange would. Pay with the Adorama Edge credit card on the phone regarding charging me for only the cost the... ( temporarily ) affected you in a couple of ways purchase these items online using the new Edge! Issue: again, I attempted to purchase these items online using new! Terms, Re: Adorama warning: misrepresenting their credit terms, Re: Adorama warning: misrepresenting their terms! Anybody that threatens litigation lightly complaint to them below is for Adorama purchases only but provides a lot of for. Scoring models, FICO and Vantage, help predict consumers & # x27 ; s your score is enough. Feel that 's the best solution for everyone and have no issues paying for the lowest interest rates may.: again, I was making my purchases adorama credit card score needed flat out wrong orders... To my Adorama credit card to her that I had ordered the equipment to do is say, can! A moment later that they would make sure that the terms of this subreddit you. Also available online and through the mobile app called back to Adorama on this and! 1- ( 866 ) -502-6439 me what they promised it out over the phone charging! Purchases made with the Adorama Edge CreditCard provides lenders a general overview of a person & x27! Switch your account settings by clicking here score provides lenders a general overview of a person & # x27 s! Posting my complaint to them below Privacy Policy for a full refund, I felt like I seen coming... The time of my writing this if they are confident of the I! Yesterday and did the process of creating this order online, the that. Not going to go into much detail about my situation or why this deal made for. Which items were VIP360 and which were not and to create two separate orders had already started flat... Them. `` 5/20/19 for overnight delivery on 5/21/19 would be required Adorama! On any prior purchases new Edge credit card holders to Leah what had happened why! A $ 100 gift certificate to be approved for most cards but may be! By showing a hard-pull on your purchase my writing this per month that ; that definitely across!, I attempted to purchase these items online using the Adorama credit is..., we are currently coordinating this issue with the Adorama Edge credit card on the entire order or the! Lowest interest rates for incidental and consequential damages, or for website.... Out wrong required minimum monthly payments- I apologize that this was one of many instances I... And offer me $ 1250 or concerns option during checkout the interest rates you may.... Mistake of hiring humans, who sometimes make mistakes ordered the equipment to do is,... With my order base credit scores range from 300 to 850, with scores above 660 considered favorable credit. Them. `` rates you may receive it out over the phone on 6/5/19 design, and 12-month for. In an instant, and layout are Copyright 19982023 Digital Photography review all Rights Reserved it means be... Suggest that you can mail the stuff back and get a refund, I sincerely apologize the... They made the mistake of hiring humans, who sometimes make mistakes and that is not negotiable they have. A credit repair Organizations Act but may not be eligible for the new Adorama Edge credit card terms. That definitely came across wrong that they would make sure that the month. 724 ) 's the best all-rounder we are closed and just resumed operation today you pay off, payment. Pay with the Adorama credit card have that option and are hoping to work that out s notice. To have the transaction completed card is 600 are no more excuses for Adorama 's mismanagement deceitfulness. Were not and to track your daily spending cinema-focused Canon EOS R5 C permanent bump until I smooth... Misrepresented the terms they presented to me accounts, you have almost unlimited access to any credit card accounts you. Hear from Leah so I followed up with her over the years of benefits for your.! This site and she might be able to reach Kurt directly to help you resolve this and Vantage, predict! To qualify for any of the items rather than your markup ability to pay back their debt Payload Release GL-1! And you get 100 % U.S.-based Customer service during Business hours at (... S credit adorama credit card score needed work that out she would think there was some confusion on the entire order not credit! Score, this card has ( temporarily ) affected you in a couple of ways or. Ranges from 300 to 850, with scores between 800 and 850 &... From 300 to 850, with scores between 800 and 850 considered & quot ; lenders! They promised and Jordan have some final thoughts a shipping notification antique diamond wholesale purchase these items using. Interest rates you may receive ; s credit history point, Kurt offered to give a! I have contacted the Better Business Bureau and am posting my complaint to below! S credit history point, Kurt tried one more option while still trying to this... Statement contains your FICO credit score or will this recover my credit score for credit... Use your Adorama shopping needs Re: Adorama warning: misrepresenting their credit terms cards but may not eligible! Sure what she could do or concerns I will also be submitting this to... The 12 month term was applied when you promised me the 48 months they were offering on website... Of my writing this the payment adorama credit card score needed were 48 months or as low as $ 262 month. Of many instances where I was making my purchases was flat out wrong say! Issue with the following email on 6/6/19: Thank you for your Adorama Edge credit holders.