We got hit with penalty APR's years ago. With all the info I learned here, we asked for a drop in our 28.99% rate. They okayed 5% to 23.99. We can ask again in 6 mos. Not great, but better! We have better cards with 0% promos to 5/18 and rates at half this so is not that big of an issue; just disappointing. We had a small balance I moved to one of those and this now sits at $0. Will use it for the 5% gas and the 18 yr age it has!