I’m having a terrible experience dealing with Nordictrack (Icon health and fitness) and it’s partner financing company HC Credit. Consider buying from someone else if you’re on the fence. Unfortunately, they have a setup that discourages efficiency and customer-friendliness, since they seem to recoup profits on their “interest-free” offers by charging crazy fees even without any mistakes on your part and really getting you if you’re a day late. My inquiry about these practices was met with “your fault, it’s in the fine print.” Sigh. Even if I must eventually accept that fact, that’s not the way to leave me a happy customer. I’m out hundreds of dollars to these guys. Don’t buy Icon / Nordictrack. And though the “HELPCard” / HC Credit company has no need to maintain a good image since they are fed “sales” from other companies, never use them if you can help it. Their website is ancient, contains errors, and their call center is unprofessional and difficult to deal with. Makes me want to start up a competitor that operates with efficiency and customer friendliness, and maintains profitability through automation and efficiency rather than through leeching ridiculous fees from people as inefficiently as possible.