How is this card? I don't plan on apping for it until north of 640 (mortgage first!), but I have some major dental work coming up (2 root canals, 2 crowns and an implant) that I don't want to have to clear out my savings to pay for. We have great dental insurance with no annual maximum, and the amount would probably be qualified for the extended payment plan (total is 11,000 without insurance, about 4,000 with). If I use it and abuse it once, then sock drawer it except for annual doctor visits for my family, is it a good choice?