Normal
We also have this card. When we first received this card they were charging us 24.99% intrust. I went nuts and called them to get a better rate. I spoke to them and they said that they could only go as low as 19% because it's a rewards card. We have over 40,000 funpoints and or miles. We plan to use all of the funpoints on our up coming cruise this November. Then we will transfer the ballance, (if any), and cancel the card.