The rebate card is NOT a credit card. You just use the amount of rebate as if it is a credit card. If you use up the entire amount in 3 months, just destroy your card and nothing will happen. It does not activate into a credit card. If you don't use your rebate card in 3 months a $3 charge will start to accrue monthly. However, NO charge will be on the card as long as you use it in 3 months. Again, this is not a credit/debit card. It is a rebate card that acts like a debit/credit card. You are not initiating a credit card if you use this. read full review »