I have a yamaha credit card. My credit is very poor, and they approved me for 3100. the payment is 62 a month, and I pay 200 a month. I think it's a great way to build your credit score.
Number one hardship terms is only temporary to get you though the hardship. Most only go 3x max and yes it goes back to the orignal terms.
2 when you get a revolving line of credit and max it and only pay min due every month you will pay till you die. You have to pay more then what's due otherwise your only paying interest every month. Da
It is good if you need to finance the dress, but make sure you can pay it off in the 6 month no interest promotional period. There is no reason to keep it after you pay off your dress unless you're in several weddings.