This place is an absolute joke- folks. Don't be fooled by your Dr.s office promoting their cards- one year no interest- even when you pay monthly payments on time every month over and beyond the required amount and you have one last payment left and they sock it to you at 27% interest rate - $800 in interest charges. No compassion, no workable solution or lowering the rate or negotiate the rate to pay it off. Unbelievable selfish greedy business mongers. They take advantage of the poor and disabled more than you'll ever know. Be warned they are very deceitful, and the most uncompassionate, unfair business I have ever tried working with.