I applied for one of these cards but thank goodness I did a lot of research about the use of it before I put anything on my account. I found out from one of the dentist offices that with the card for some providers you can not use the card with your insurance card, that dental work have to be over $500 to use the card and get this one...if you choose a plan to pay off the amount within 3, 6, 12 or 18 months you will have to pay it off in full within that month you choose to get no interest added. However, if you do not pay off your account... read full review »