Reason: I received my bill yesterday and the finance charges seem ridiculous on a $700 balance. Under the finance charge section they have several different methods listed (12 to be exact). The rep claims that everybody uses the same method. I find that hard to believe, why would you have someone in a category and have the different methods listed if everyone gets the same method. If you have this card can you tell me what your method is. Mine is 2D - meaning they calculate finance charges daily and add the finance charge to your balance so that the next day you are paying finance charges for your regular purchases plus the finance charge from the day before. Does that make sense to anyone, or confusing? Sorry, if it's confusing. BTW, the APR on this account is 21% (too high ~ I know).