This is a store card of your dreams. They do not charge interest, no annual fee etc. Amazing card. Must have for anyone who shops Von Maur. Wish other stores followed their lead. One tip. You have a secret credit limit kind of like american express. They report you highest balance at the time with a pre-set limit they know. If you purchase and go over that limit they will pull your report again to verify you meet criteria and approve. As far as payment, it is based on balance. 0-100$ balance is like 25/th and 101-160 is like 27/mth (dont quote me on the amounts exactly), but you get the idea on monthly payment. The higher you rack up the higher your monthly payment will be. This card is a must have. No rewards but a 0% APR and no annual fee...that is reward enough for me.