Stay away from Chadwicks no matter how nice things look on the website or in the Catalog. they are a dishonest company that sells shoddy merchandise. I have purchased clothing from Chadwicks using the Chadwicks charge account for years. The clothes used to be of good quality but now it's not even as good as what you'd get from Target or Wal-Mart. I think the whole catalog is a misrepresentation. I returned merchandise 2x to Chadwicks within the last 2 years. 1st time they acknowledged that they received the return but never issued a credit. I called them repeatedly & everyone I spoke with said I had to speak with someone else. The 2nd time they issued a credit but when I tried to use it they say the credit # is not valid. They are the only company I'm aware of that doesn't post a credit to your account.

I have been a Chadwicks customer for over 15 years. In recent months they have started charging me $25.00 "late fees" because they say that my payment is arriving one day past the due date. I always send my payments 5-8 days ahead of the due date. The San Antonio payment Center is typically a three business day mail journey. When I get assessed a late fee, then my interest rate zooms!

Chadwicks recently sent me a "gold card" membership account card. I didn't request this. It was sent due to my good credit standing and low balance. Instead of being treated like a "gold card" member would expect, I'm being preyed upon. Chadwicks knows that their customers cannot prove what day their payment arrives so, on that simple and convenient premise, they stick a fork in your backside!

Also, a phone payment is an additional $5.00 fee! I am closing my account and giving potential customers fair warning-this has become a predatory company that you need to avoid!