Here are a couple of interesting facts: (1) Associates dares to charge higher interest rates than almost anyone else. The Citgo, Shell, and Texaco cards bear 23.49% rates; the BP and Amoco cards are up to 24.49%. (2) All five cards offer cash advances, while Citgo and BP even offer convenience checks. Associates has made its gasoline cards almost identical to subprime bankcards, complete with cash advances, arbitration clauses, and high interest rates. All they lack is annual fees. My Shell and Texaco cards require only 3% of the balance as a minimum payment, which is identical to subprime cards like Providian and Capital One. (Most prime cards require only 2%.) With cash advances and low minimum payments, these cards are set up to create balances on which the high interest rates can be charged. Be careful out there!