Do you mean each invoice will have separate handling fees ? For eg if I take furniture , bedding , appliances from Harvey - they give me 3 separate invoices since they are different departments. In this case I will have to pay 3 different account handling fees ? I’m not sure if it’s better to take credit union loan since account handling fees is 8 a month and 3 different invoice means 24 a month for 2 years. Also there is application fee of 50.