In Feb and March. These are our slowest months (right after xmas [monies] during a time of no major holidays[monies] )

A preplaned site wide 70% off sale once a year :)

Especially now. I've especially noticed that when they raised the min ammount to get a check cut it sure has changed my spending habbits. 

Before, if I got over 20 dollars, say 26 or 28 I might have went and bought something frivilous. But now that it's at 35 for a min I have to wait a long time (if ever this month) to buy anything.

I can imagine that the other merchants are in a simular situtation. And lets face it, it's the merchants who have in-store credit that do a HUGE amount of the buying around here.