I have been user of Swiss Colony for many years now since I received their catalog pre-approving me for a $200, which has been since increased to $900. I had a balance of around $300 from items prurchased for valentine days for relatives and grand children. I recenty attempted to purchase another $100 of items for Easter for some close friends, and I was told I needed to provide a 50% deposit. I called customer service and asked about the credit limit - they said the credit limit does not really exist since we run a credit check each time you order something. I than asked if I made a payment of the 50% of the cost to my account would that suffice, or if I cut my order in half would they then process the order without a deposit. She said she didn't have the answer for that but I could try ordering again. I then sent an email through their customer service website and was told, we sent you a letter explaining why, and if I had questions to call back to the credit department, when I called them I was routed to the same customer service.
Giving someone a credit limit and then running a credit check each time negates the need for a credit limit and therefore the credit limit is ffalse advertising. Although they claim to be a separate company and business they share the same account numbers (if you have accounts) with their "sister" companies such as Montgomery Wards, Stoneberry, Midnight Velvet, Through the Country Door and Seventh Avenue. Prices are considerable higher than in stores and other websites, and you accept those costs because of the FALSE ADVERTISEMENT of pre-approved and a credit limit.