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MedAssist Health Credit card/program

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Not sure if this is in the right place or not so moderators feel free to move if it's not!

Anyone ever heard of or used MedAssist from US Bank? I have no insurance and this is the only way that the hospital will take payments. 16.75% (cheaper than a lot of credit cards anymore) and reports to the big3 bureaus - which would be great in restoring my credit. Has a $35 late fee (ouch) Will probably have to do no matter what (don't have the $$ for bill right now) but want to see what I am getting into. Potential problems I see come in only if I don't make the payments (neg TL from US bank, as well as the hospital and whatever CA they send it to)

Would appreciate any input...

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