I had to get this card to pay for a vet bill to save my dog. The vet offered this card when I was in an emotional state. I had to use it again to put my dog in the hospital for a week and still ended up having to put him down. Now I'm left with a $4,000 bill and a 26% interest rate. I will never pay it off. Also, I have been waiting for a customer service rep for the past 30 minutes!