I signed up for this card while on board the ship with the assurance that it was interest free for 12 months. Employees from multiple stores on the ship told me this as well as the NextCruise employee who had me fill out the application. Come to find out, I received the card and no such promotion exists. Bank of America won't honor it and wants its 18.74% and Royal Caribbean doesn't know anything about who is in charge of the NextCruise people that have the applications. Nobody returns phone calls or emails and I am just on the hook to pay off a card I thought I would have 12 months to pay off.