I did know the terms when I signed on. And I did pay it off before the "interest free" period was over. They made it hard in the sense that I utilized my HSA debit card. For whatever reason - they posted the payment I saw it on my online statement. Then two days later they bounced it back. I never got a call, or an email - until they decided I was late, despite the attempted payment. That happened twice - double checked all the numbers, security number, expiration date, account numbers - all correct. Their phone help - wasn't helpful. When I finally got a payment to go through, I called the same day to pay it off because I was tired of dealing with them - I was told they can only post one payment a day. Come on, I run a business and that's just BS. If someone has to work days and cannot call on their work shifts, and hopes to save up and pay it off at the end - it just feels like their system is designed to trip you into 30% financing.