I would like figure out a lower interest rate than 10.99%, but like I said, I am typically keep a balance to guarantee that is not really a mistake. I already have a credit/debit card from my bank and Cash in it for EVERYTHING, even amounts compared to $5 (though there are few of those these days). https://Groups.Google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY