Just got this in my mail and it makes me tempted to make another purchase. I was going to cancel this card but didn’t and thank goodness because the bank rolled out this program. It’s a credit card for ladies to buy any luxury good from a luxury brand for bags and shoes on...a 12-month instalment plan that is on ZERO % interest. So basically, I can buy a $2,000 bag split between 12 payments and no interest will be charged to me. Sounds like fantastic to be putting aside spare cash while carrying the bag I like!! ARGH this gives birth to the rise of new temptation!