Beware,Even though I have perfect credit,never,never missed a payment,have a becon score well over 700.my rate was changed from 9 percent to 23 percent.When I received my first statement after the change,they said I had to many cards with avalible balances,and if I didnt like it a could pay my card off.I did.

I applied for this card because of the ADVERTISED 0% for 15 months and ONLY because of the 15 month deal! Well---Beware because when I recieved it in the mail, I called the Customer Service dept to confirm the card---it was 1.9 % for 12 months. They were kind enough (being sarcastic) to put in a request for the 0% for 12 whole months---at this point I am really regreting applying for this card. They pulled the ole Bait & Switch on me! Soooo---make sure you call them when you apply and that all is clear---don't apply online. OY! What a hassle!