okay, I wanna say, this saved my cat's life, and my finances. Just pay the promotional period in time, and no interest. If you miss it, even if there's only 40 dollars left, you have to pay the ENTIRE interest, not just for the 40 bucks. It's very confusing their terms, but call the customer service, ask, ask ask ask ask. Also, don't do the min payment. Do the min payment, but do it 2 times a month ( i.e. pay a part of it 2x a month from your check). This card has helped me get my credit a lil higher too.Also if this is an emergancy, and you do it online, before going. MAKE SURE YOU DO IT THAT DAY. when your instantly approved, you have to use that card in the first 24 hours for that procedure, until the phyiscal card comes in.If you buy anything less then 200, you have 25 days to pay it back with no interest.Read the terms people. yes, this is shady, but it's all laid out there and they don't hide things if you're upfront. You can use this interest free. I've had no issues yet.Can I edit this if it turns out my experience changes in the future? but for now, I will be the only one giving it a 4 on here, because they get a bad wrap. They are no a payday loan, far better then that.You can use it anywhere for medicine, hospital emergances, I thinks some other things too, like food, there's a whole list. It truly is an "emergancy only" card, so use it as such.AND PAY THAT BALANCE ASAP!!!! Also, call customer service when you sign up, ask them all the questions you can think of to avoid interest. The site makes it seem like it's a "no interest card" to some people.I looked at them 10 years ago, I saw their terms, I was like "nope!", but they have greatly improved since them.Hint: Don't use Autopay. Schedule the payments. When you pay, schedule the one to automatically do it next pay period. Don't autopay, things can change. For example, I have 12 months to pay 500. My min payment is 30. I'll never pay it off then, so I do a 50 dollar payment every paycheck, I should avoid interest this way with plenty of time.