Well today, I checked my online statement, and noticed my finance charges seemed very high. So I called, and guess what, the rate was never changed. I was told to call back in a few hours for 'corporate' to come in. Got to work, called back. Now that rate was never offered by the system (not even retention), and they don't know why he quoted me that rate. The lowest they have available for me is 18.99. I asked for a supervisor, and no-one is there. I have to call back at 8 Pacific time. What a crock of sh*t! Why would I transfer $4000 to a card at 18.99%? It's funny, the card I transferred it FROM is at 12.6, down from 15.9 (I called). NextCard had better fix this, or into the sock drawer it goes!