JKVisFX

This card may not be as evil as the other's are but, those interest rates are still onerous, what used to be called "usury," or "loan-sharking." I remember a time when the maximum interest rate allowable by law was 13%. I am completely done with ALL credit schemes. Period. Save your money up for major purchases you know you have coming such as an iPhone upgrade or a computer upgrade, you'll save a hell of a lot of money and not owe any of those fat-cat banks one cent of it. Hell, saving money is just good practice overall.