Hello There, I got this card back in Oct of last year with a intro rate of 1.9% for 5 months which will expire may 1 of this year... anyways I call and talk to customer service and they told me that the go to rate after may 1 will be 11.65% I ask the rep is that the lowest rate the rep saids no... it starts from 9.9% and up to he did'nt specifiy how high it can get... I just wanted to know if you have this card what apr are you getting now please let me know. Thx, Kev