Yes. That Christmas I mentioned? I was paying for it almost until the NEXT Christmas! Because if you don't pay it all off, you owe interest on everything from the moment you purchase it, and that adds up to a LOT. A lot of credit cards are more generous now, and let you pay off everything BUT one lump sum that you carry over, and don't accrue interest on the new stuff. But back in 1989, they stiffed you for every penny they could.