I agree with them I didn’t read the small print about interest if you don’t pay by the end of the term They charged me over 700.00 in interest I had to pay 900.00 in one week or they would charge me interest so I closed the account and am paying monthly do not get this card unless you want to pay high interest I used it for dental work which my dentist recommended I am sorry I ever got this card Better to get small loan from bank or save up for pets or dental work.