I have been a card holder for 10+ years. I've had the rate of 6% the entire time. I've been paying $100/Month, and have been doing so for about 5 yrs. I get charged $16 or so per month in finance charges, and occasionally make purchases. I don't even look at the statements except online to make sure no charges appeared that I didn't authorize. I'm willing to eat the $16 for the convenience of keeping the 6% rate. I've continually held a high balance because I've been paying off other debts for these 5... read full review »