This credit account carries a temporary low introductory rate (teaser rate) of %. This teaser APR applies to purchases made within the first months that the account is open. After this introductory period, the APR for purchases reverts to a higher variable APR. This regular APR for purchases is calculated by adding % to the U.S. prime rate (assumed to be 4% in the disclosure). Therefore, if the U.S. prime rate remains at 4%, then the regular APR for purchases is For balance transfers, the introductory (teaser) APR is THAI %. But after the introductory period, the APR for balance transfers reverts to the higher APR of %. The regular APR for balance transfers is calculated by adding % to the prime rate (assumed to be 4%). This account does not have an introductory (teaser) APR for cash advances. For cash advances, the APR is calculated by adding % to the U.S. prime rate (cited at 4% in the disclosure). Therefore, variable APR for cash advances is at least %. These introductory and regular rates apply as long as you have not defaulted on any terms of the account. To receive these rates, you must make no late payments, you must not exceed your credit limit, and your payment checks must not bounce. If you fail to meet any of these terms, then you will be charged at the much higher default rate. According to the disclosure, the default rate is calculated by adding % to the U.S. prime rate (cited at 4% in the disclosure). Therefore, if you assume a prime rate of 4%, then the variable default rate is %. What Do I Prefer? I like having my privacy and enjoy having a yard. I like living in a home that does not require a long-term commitment. I enjoy living in a beautiful area but prefer to have someone else maintain the lawn and landscaping I enjoy gardening and doing lawn-maintenance activities. This credit account carries a temporary low introductory rate (teaser rate) of %. This teaser APR applies to purchases made within the first months that the account is open. After this introductory period, the APR for purchases reverts to a higher variable APR. This regular APR for purchases is calculated by adding % to the U.S. prime rate (assumed to be 4% in the disclosure). Therefore, if the U.S. prime rate remains at 4%, then the regular APR for purchases is For balance transfers, the introductory (teaser) APR is THAI %. But after the introductory period, the APR for balance transfers reverts to the higher APR of %. The regular APR for balance transfers is calculated by adding % to the prime rate (assumed to be 4%). This account does not have an introductory (teaser) APR for cash advances. For cash advances, the APR is calculated by adding % to the U.S. prime rate (cited at 4% in the disclosure). Therefore, variable APR for cash advances is at least %. These introductory and regular rates apply as long as you have not defaulted on any terms of the account. To receive these rates, you must make no late payments, you must not exceed your credit limit, and your payment checks must not bounce. If you fail to meet any of these terms, then you will be charged at the much higher default rate. According to the disclosure, the default rate is calculated by adding % to the U.S. prime rate (cited at 4% in the disclosure). Therefore, if you assume a prime rate of 4%, then the variable default rate is %. What Do I Prefer? I like having my privacy and enjoy having a yard. I like living in a home that does not require a long-term commitment. I enjoy living in a beautiful area but prefer to have someone else maintain the lawn and landscaping I enjoy gardening and doing lawn-maintenance activities