I used the 0% interest promotional offer for the $1,500 deductible that I needed for my BA. And used the 14% interest for 24 months to pay the rest. I wanted to pay off the $1,500 In like 3 months that was the plan. But unfortunately they bundled both and have me a fixed interest rate because they assumed that I wanted to pay 7k in 7 years hence they get their interest. I suggest get 0% interest for one year instead of what I did. Pay it off fast! Or else you will be stuck!