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Take a look a the terms page. They try to trick you into thinking the interest rate is 13.24 varible. But that rate is for balance transfers. The actual default APR is prime plus 26.99% up to 29.9%. The gracee period for purchases is 20 days.



Anyone can guess. It takes no effort to throw out lots of predictions and have some of them be correct. You are not and wiser or better for having your guesses be right. Even a blind man can hit the bullseye.