I wonder if I'm the only one who had a problem with this card? Since the APR was pretty high, I only used it for big ticket items I could pay off immediately, as you only get 1 point per $100 spent. One 'perk' was that if you used the card to pay for your Disney vacation, you had 6 mos. of no interest or payments. I used it 3 times to pay for 3 trips, and every single time, I was billed interest at the first statement. I had to call every month to have it taken off. They would tell me they would fix it so it wouldn't happen again, but the next month, there it was again! I even had overpaid the balance, and they had the audacity to charge me $40 interest on the money THEY OWED ME! Another time, when I paid off the balance after 2 mos., I recieved a bill of just interest on the balance I had already paid off! This also happened with Chase with a Circuit City Card- a TV was 6 mos. no payment, no interest, but I was charged interest immediately. I finally just cancelled both, as I don't have the time or patience to call every month. Hopefully, I am the only one who expericed this. The points WERE nice, though. I used them for my family's souvieners and a character breakfast.