Ok guys-yes, the interest rate is terrible, however I have really bad credit history, but due to a new job I had to get my hands on a credit card to pay for fuel. I claim this fuel back monthly, so basically I clear my balance immediately and pay zero interest! Therefor it is perfect for me with my credit history, ie low credit limit, so not likely to rack up major debts (again) and having learned the hard way I only use it for business fuel and pay off in full before interest is added. Yes it's baaaaad if you are accruing interest, buts it's good if you are rebuilding credit-use it as a tool to help and it ain't that bad folks