Ladies- I picked up the card to open a new account and the hideous 19.21%APR was the first thing that popped out in my face. In reference to putting the charges on the card to get the extra 20 or 15 depending on the area you open your card in...what about the APR that they charge?? When does that kick in? And how do you avoid that? I mean doesn't that kind of void the discount?