bahh. i signed up for that POS card to save money.. was planning on ripping it up when i got it, just figured i would try and save more on school books. but they didnt approve me. I have had 2 credit cards since i turned 18.. buy A LOT on them, but always pay them off before the billing month is over, so i have only paid interest on one of them once in the two years i have had them.