This is the suit of a used ship salesman. You’re obviously an educated person who wants to make an educated decision. I can tell you are a real no-frills kind of buyer. You seem to have a rugged Nordic quality to you! It’s the definition of affordable quality! Just how much were you looking to spend today? It doesn’t matter if you’ve had credit problems in the past. Who am I to judge, right? There are no refunds for this item. For more information, see www.xbox.com/live/accounts.