You are pretty much right on the money and that is my huge hangup. They tweak things every time I go in the store and my account is not where I want it. So I end up paying more than what they told me in the store, they promise discounts in the store and they don't actually show up, so it just keeps creeping up. When I call customer service they have no idea what the store reps were talking about, so they can't really fix it either.