2008 my wife had dental work done cost 10, 000 payed 240 to 350 a month around 4, 000 to 5, 000 balance is 9600 balance drop 400 dollors rate 29.9% said i went over the limit few dollor did not know the dental work was going over the limit a few dollors thats why it is 29.9% how can you pay 4, 000 dollors and 400 is all you payed on the bill at this rate it will take me 50 years to pay it off . i did not buy a mink coat something i didnt need. was dental work had to be done. got it on 12 month 0 interest did not have the money to pay in full at the end of 12 months. but to pay all that money and have 400 dollors all you payed. is a big bunch of crap