I understood interest-free for 12 months to mean no payment during that time. The sales person specifically told me that was how it worked.
I did not make the first payment on time, thinking I'd just pay when I could as long as I paid it off within 12 months. They charged me $40 for a less than 30 day late fee then charged me $15 to process my payment!!!
(my payment was $30) I'm paying off this card & will advise everyone I know not to use Lenscraftes or GE Money. Lenscrafters should protect they're customers.