Promotional Financing offers ranging from 6 months to 60 months (available at participating retailers), with convenient monthly payments. Special sales events and savings offers from participating retailers. A dedicated credit line for home purchases (flooring, furniture, appliances, electronics and more). Locator tool to find nearby participating retailers. No annual fee. $0 fraud liability. 24/7 secure online account management. Ability to request a credit limit increase1. Free access your FICO Score2.