I got this card when I was 19 after getting approved for a car loan. Super high limit with a wild interest rate that went up to 25%. I got a notice one day saying it was gonna go up to 30 so I closed the account. Almost paid off now. One statement I got said it would be 24 years to pay off the balance with minimum payments. I've made more than double payments for years and I can't believe I still have a balance with them.