CJ S.

Have two promotionals going with them for major periodontal work done in June and August of this year. I have one year to pay off both debts interest free, which is why I applied for this card through my doctor's office.

What I like: 0% interest. Courteous agents. Promo expiration date listed clearly on both paper and online statements.

What I do not like: When I would request a distribution of a payment; i. E., X amount to Promo 1 and Y amount to Promo 2, I had to double check to make sure funds were allocated correctly. It was explained to me that allocation requests go into a large queue and may not appear on your statement for up to TWO BILLING CYCLES.

I never had to wait that long to see the payments or how they were applied, but there was one that was allocated incorrectly (this was fixed while I was on the phone) and now another one I am not sure is right even after talking with the agent, because she told me the last payment had an odd amount--which I know I did not request--applied to one of the promos.

After each payment I receive a letter stating "we have applied your payment..." however it does not give any amounts, so you are still flying partially blind.

In the interest of simplifying matters, I decided to just pay off the first promo as another agent told me if I do *not* request a distribution, the entire payment will automatically be applied to the first promo.

So I made an online payment last week and... I still can't make sense of the remaining balance when I look at my statement, which the agent insisted was the current balance.

I already feel married to this creditor due to the payments I am making out of each paycheck and which will continue for months to come; I don't like having to constantly follow up to make sure things were processed correctly, or to get something fixed.

I expressed my concern and frustration to the agent today (the call was pleasant and I made it clear I wasn't frustrated with her, but with the system) and asked for a manager's contact info. She had an address to write but no name or email was available; I had to get to work so I let it go for now.

It would be great to work out a payment plan directly with the doctor's office, but those days are long gone. Review: 2.5 Stars, rounding to 3 for now. I can't say I wouldn't recommend it only because of the 0% interest--but the rest is "meh".