When my wife and I originally bought this system, we were adamant about the fact that we didn't want this account to be like a credit card. We were assured by the sales rep that it was a fixed rate and not an open-ended credit account. An open-ended credit card account is the biggest rip-off going, and we both new that based on past experiences so therefore we wanted no part of it. Unfortunately, we were both lied to and find ourselves paying this bill off by utilizing another credit card with lower interest.