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We also have this card.  Yesterday I purchased/selected the "ON Board Credits" & and other gifts ,(I wanted to use up all of my "Funpoints").  We cruise again in about 23 days.  After I receive all of the credits that they owe us...that card is history!  When I first opened the card, it was over 25% intrust...  I saw that and called them and demaned a lower rate, (I threatened  to cancel my account), well they lowered my rate to 15.9%.  They told me that that's the lowest that they can go because it's a "Rewards Card".  I agree that this card is misleading.  Remember...Banks are in business to make money.


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