So this came in the mail today...Can you believe it! I've heard on the news this was coming but seeing it on paper has solidified my thankfulness to not own a credit card!!
Oh, and for your convienence, the first year annual fee ($75) will be billed to the credit card (so you instantly have a balance in which the 59.9% interest rate accrues daily). Unbelievable! And if you close your account, there is an account maintenance fee of $3.00 per month that there is a balance over $20! Wow! I hope everyone is reading their credit card disclosures!