I just called customer service to see what they could do. Currently I was at 16.65% and they lowered it to 14.xx (didn't catch the last numbers).....I sighed and was like, o.k. I guess it's better than nothing considering I haven't even received my first bill yet. I've already made $1600 in payments and will pay off the remaining balance of $1200 when I get the bill. For those of you who have this card, what is your APR? Shall I fire off a PFB letter?