That means you can only use the card at that organization. You can only use the card in a specific facility. If you have a MasterCard, Visa, American Express, or Discover, you can take them anywhere. Stores offer credit lines to attract you to the store. If there is a product that you want that costs $200 and you don't have the money, they will ask you to apply for credit. It's a promotional process. My advice to people about ads stating no interest until a later date is, are you going to pay it off between now and the stated date? If you don't pay it off by the due date, interest accrues from day one. They can go all the way back and assess interest from day one. The other thing is that you can always make payments on the account during that interim period. You don't have to not pay, just because you said you don't have to. Just understand that there is no interest as long as you have the money to satisfy that debt in time.
