if you guys dont have the common sense on how a credit card works maybe you shouldnt use them..you signed an agreement that your default apr would shoot through the roof. i have achase card with a very large limit,and 0 percent apr for 15 months,assuming i pay on time every month..if i miss one due date it goes up to 28 percent..if i pay my bill on time every month and my 15 months is up it goes to 6.99 apr..so im sorry to say but you fucked yourself on that one