I usually pay mine off at the end of month 4 just so i can have 2 months cushion just incase they wanna screw me with the interest!
Exactly! Definitely take no chances with their APR!
I was finally able to get a supervisor on the phone yesterday. Very nice gentlemen. It took some effort but he was able to locate my application and indeed it had never even made it to inquiry stage. He was able to pass it on to their manual review department. I should get a decision in a couple of days he said.
Also, I agree with others about interest. 19.99% on the entire initial balance for the whole 6 months....ouch!