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The benefits of 6 months no interest under $199, 12 months no interest $199 to $1,998, and 18 months no interest $1,999 and over. Is this the finace option fo he card FOREVER and not just for a certain period. Just curious Right now the promo they have is no interest for 18 months only for new members SO i do undersatnd that its just for a certain period of time.