I would like to determine a lower interest rate than 13.99%, but like I said, Dislike typically have a balance to ensure is not really a quandary. I have actually a credit/debit card from my bank and Cash in it for EVERYTHING, even amounts below $5 (though there are few these these days). https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY