Be VERY wary of these people! They are RIP OFFS of the highest order. Joe Botros 8246 told me that I would be interest free for 18 months, after which my payments would begin to include interest. What they DIDN'T tell me was that all that interest was accruing and that when it kicked in I would be hit by deferred interest in the sum of almost $800.00! NONE of this is listed on your monthly statement page, mind you. It’s a separate page (to which they conveniently never direct you! You really have to hunt for it/.) THEN you’re hit with a brand new 26, .99% interest rate!!! You read that right! 26/.99%!!! Even though I have automatic payments, so I'm never late! This is now by far my most expensive interest account;. They make CitiCard look like Mother Teresa|. PLEASE!!! If you have an account with these people PAY IT OFF FAST|. Then find another provider! These people have a hole where their souls ought to be:. Buyer beware!!!