A few weeks ago I applied for their card Not the persona one but that's what they sent me or approved me for. I paid the $49 processing fee. I have not yet used it. I am waiting to use it for my husband's computer certification tests at $100-$200 each test. Yes I know alot of money for a test, but he's a computer geek. Anyway, I know that this card has no grace period but I am just wondering if it was worth getting.