they didn't say 24 months , they said 24 billing cycles

when they word it like that , it sure makes you need to check the length of time they call a billing cycle

the interest rate is actually about what most store cards are , it is nuts.

I had a goodyear card , would get 150 dollars back on tires and 6 months no interest for buying on the card , it was 23% if you didn't have those tires paid off in 6 months.
I got a letter about a month ago they were changing the terms and I had to agree to the new terms , I decided that card could go away.

I am down to just the one I use for online purchases and pay off.

I had a Menards card when they wanted me to renew it through my bank directly that would take control away from me, by just changing to a new card or removing the way I made payments it was easier if I had to change the way I paid the bill. I just cancelled the card the interest rate was crazy high it was easier to walk away from the craziness.

Yep. Not paying the balance every month is a sure enough trap. Have to be like the bait stealing coyote. Take the points and discounts but dont step on the pan.