I received change of Terms enclosed with my monthly statement. Old Terms: Purchases, Cash Advances:8.40% Annual fee: no New Terms: APR for purchases: Prime +12.90.If prime is 8% or less, the APR for purchases is 16.90% Annual fee: There is $29.99 nnual fee if you are not enrolled in Rewards Program.(If you are enrolled in the Rewards Program, there is $49.00 Membership. Starting on the billing cycle of August. As sson they received my payment, I'm going to close the account. 16.9% is too high and charged me $29.00 even I'm not enrolled the rewards program. They're forced me to enrolled their rewards program. As soon as they received my payment, I told them Bye. Ron.