I think when the hosts say "try this for 30-days..." they mean within reason..not try 30 things and return 19...that is abusing a policy.
Obviously if you need to return 50% of your purchases then then line/place may not be for you and with the internet there are so many other options out there.
I find from reading..people buy excessively here, even with complaints of high S&H, higher prices, poor quality, poor sizing, etc..that they want to use easy pay..and they want to charge it to their Q card..
It is one thing if you want a expensive item split over 6-payments occasionally but to buy 6 per month that you could not otherwise afford, and when one of those easy pays hit on the same billing cycle and your account is overdrawn...you shouldn't of been buying the non essential item then.