Seriously I have the same exact card from a few years ago. Those things don't expire for like 7 years. Like everybody has said, don't go over your limit and pay it on time....if you do that then they really have no reason to jack your interest up other than if they want to be dicks.
But here is what I did on the same card. Keep in mind you get 5% cash back on everything you spend with it, or at least I do. I call every 6 months and they put my on a special interest rate because I've done well with the card in terms of payment history.
They give me a a 3.9% fixed interest rate for 6 months at at time. I call back every 6 months and get it renewed. With that 5% cash back bonus its quite similar to saying that I get 1.1% knocked off of everything I buy and pay no interest.
I buy my gas with it and that is it. By the end of the month I have usually spent about 150.00 on it. I pay it all back down and start over.
Completely baffled by a backward indication
That an inspired word will come across your tongue
Hands moving upward to propel the situation
Have simply halted
And now the conversation's done
I am the EgGmAn