Hi, Five years ago I swapped to the cheapest card available, then slowly payed my whole debt off. I have rarely used it since. May's statement has come in......and the cash advance= 21.49%!!!!!! If this is for a cheap card, what is the 'premium' cards rates? Credit cards are a path to self destruction, mass extinction and fire pits of hell. They put off expenses that you can't afford now, to later when you still can't afford them. Once you are caught in the credit trap it hard to break free. nuff said Johny.