Normal
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.