I have been making minium payments on my credit card and the finance charge is 29.9% so my 225.00 payment is going towards the 289.00 finance charge. Spoke to numerous people and they said sorry that is our rate and we c an not help you with this matter. the representative was rude and just didn't care. I am wasting my hard earned money on this card and I can not afford to pay them at this outragous rate. read full review »