Capital One Apr Or Interest Rate Complaints

Review and analysis of over 618 complaints against Capital One

Capital One consumers have reported over 618 official complaints related to APR or interest rate. Out of the 618 consumer complaints against Capital One, 22% were disputed by the consumer (i.e. the consumer was not happy with how Capital One responded to their complaint) and 100% were processed in a timely manner. 22% of consumer complaints against Capital One resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 12% resulted in non-monetary compensation.

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New Apr Or Interest Rate Consumer Complaints


Capital One Credit card apr or interest rate

November 23, 2016 - I am having an issue with getting my Apr lowered for my capital one and - card us...

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Capital One Credit card apr or interest rate

November 15, 2016 - I have been a customer with Capitalone for over - years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance - times this year....

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Capital One Credit card apr or interest rate

November 15, 2016 - I have a - Capital One Credit Card with a $7500.00 cash advance limit and recently got - checks in the mail with a promotional offer of 0 % for 12 months. That means that I can write out - checks up to $7500.00 and not pay interest on that $7500.00 for 12 months! Only catch - the checks have to post by -/-/2016 and there is a 2 % fee for each transaction. FYI - this was all the information that was in large font with the checks. Great deal and just in time for - shopping right!? ... ... ... WRONG! Feeling like this was too good to be true I did some digging online. Let ...

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Capital One Credit card apr or interest rate

November 11, 2016 - I currently have - credit cards with CapitalOne. All - cards have a very high interest rate. In the last 12 months I came upon very difficult financial hardship due to extreme health concerns. I have been out of work and only able to keep up with my minimum monthly payments on these - cards. On each card my balance has grown due to my inability to make more than the minimum payment. Now that I am getting better I called CapitalOne to try to get some debt forgiveness on the accrued interest charges. They refused, only offering $50.00 on each account, for a total of $250.00. I have ...

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Capital One Credit card apr or interest rate

September 17, 2016 - I am filing this complaint against Capital One because I they are misapplying my payments toward balances with lower interest APR 's out of complaince with federal rules and their own stated policies. I paid $140.00 on - -, 2016 to Capital One. This payment included $68.00 to cover the minimum payment for a balance carrying an interest APR of 15.15 % ( The minimum payment was due on - - ). The additional $76.00 was supposed to pay off a $75.00 balance that was carrying an interest APR of 25.15 %. Unfortunately, the next billing cycle ( minimum payment due on - - )...

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Capital One Credit card apr or interest rate

September 9, 2016 - I maintain several credit card accounts with Capital One. On my - Business Credit Card, they apparently have the option to charge a - - of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy....

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Capital One Credit card apr or interest rate

August 8, 2016 - I am being charged an APR of 29.65 % The advertised rate on the Capital One website shows 23.24 %. I have contacted Capital One several times and no resolution or adjustments have been made. This is total false advertising and I am entitled to a refund of the discrepancy amount from the first day that I noticed this huge error....

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Capital One Credit card apr or interest rate

July 27, 2016 - The interest was raised from - to - and we try to deal with the interest raise and they refused....

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Capital One Credit card apr or interest rate

July 25, 2016 - Hello, I applied a payment of $5000.00 dollars to my Capitail One - card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. Best Regards, - -...

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Capital One Credit card apr or interest rate

July 24, 2016 - I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle....

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Capital One Credit card apr or interest rate

July 1, 2016 - On -/-/-, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period. -/-/- the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter - it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices. I 'm at ...

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Capital One Credit card apr or interest rate

June 20, 2016 - I work in the corporate office at Saks Fifth Avenue. My Saks credit account, ending -, is in default after entering my updated - checking account information into the SAKS Online system as well as made a payment though there even though no payment was due at the time - the account on - -, in fact, reflected a credit of approximately $100.00 in the Saks Online bill pay service. Then I signed in to update my account with my new banking information and made said payment with my new bank account to make sure it worked. When I got in today, five days later, I see I received an emai...

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Capital One Credit card apr or interest rate

June 13, 2016 - I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time -. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results.....

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Capital One Credit card apr or interest rate

May 29, 2016 - I had - credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely ma...

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Capital One Credit card apr or interest rate

May 19, 2016 - I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call - they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't ...

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Capital One Credit card apr or interest rate

May 9, 2016 - Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with - representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosu...

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Capital One Credit card apr or interest rate

May 5, 2016 - I got a credit card from Capital One, then due a variety of unexpected events I ended up with a higher balance than I intended. I understood when I got the card that I would have 0 % interest until -/-/2016, after that I would start paying interest on any balance after that time. Because of this I began pursuing other methods of paying my balance in a more manageable fashion than dealing with the oncoming high interest rates of this card. I then received an offer from Capital One regarding balance transfers. I called to ask questions about the offer and to see if it would affect my current b...

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Capital One Credit card apr or interest rate

April 12, 2016 - I have - credit cards with Capital One with excessive interest rates. ...

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Capital One Credit card apr or interest rate

April 11, 2016 - I used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue. ...

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Capital One Credit card apr or interest rate

April 5, 2016 - I am writing to file a complaint about Capital One. It is regarding my account numbers ending in -, -, and -. I have been an account holder of theirs since 2000. I have never paid any of the accounts late. Recently, I noticed that they increased my rate on my account ending in # - to 23.15 %. They have also increased the rate on my account ending in # - to 18.15 %. Both of these accounts have had balances, and they have been steadily increasing the rates on these accounts. I believe they have been doing this in a predatory manner, primarily because the accounts have balances. I...

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Capital One Credit card apr or interest rate

March 25, 2016 - Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending - in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfe...

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Capital One Credit card apr or interest rate

March 14, 2016 - Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. - with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago tha...

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Capital One Credit card apr or interest rate

March 7, 2016 - Dear Sir/Ma'am I am writing in regards to my Menards ' Big Card. I paid my minimum balance on -/-/16 of $110.00 and an additional $1000.00. I wrote on my check that I wanted the extra to go against the 6 month higher interest rate charge. At that time I had the following charges - - - 48 month 3.99 financing - $2900.00 - - 6 month same as cash accruing 25.24 % - $1400.00 So I figured that the extra $1000.00 would go against the - When I look at my -/-/- statement. I see that all but $44.00 went against the 48 month 3.99 % financing. The $44.00 was the minimum...

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Capital One Credit card apr or interest rate

March 1, 2016 - I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of - -. Who corrects this because the bank is just going along like nothing is wrong. ...

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Capital One Credit card apr or interest rate

February 20, 2016 - Hello just wan na say is unfair that capital One Credit Card Compagny charge me twice for cash advantage fees, first one is $90.00 which is correct and $50.00 which is incorrect ...

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Capital One Credit card apr or interest rate

February 13, 2016 - on -/-/- I 'd had call over the phone to apply for a capital one credit card on the salesperson had mentioned that I 'll be all getting a 15 month no APR on the fix rate .my surprise on -/-/- I noticed a charge of $76.00 in my account just on APR. I have a call Capital one to find out what was the charge sales person on the phone stating that it was my APR charges starting on -/-/- which I never got a notice on the mail stating that my APR will be changed to 23.99 % Capital one never provide me with the notice of this charge being applied to my account at least 45 days .I thin...

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Capital One Credit card apr or interest rate

February 11, 2016 - Capital One has committed fraud due to false advertising. They say the have comparative annual percentage rates, but that is simply not the case! -, -, and - all have rates lower than Capital One. Still, they have not offered me a valid justification of their continued practice. Why have they not been fair and honest about that? Therefore, I am charging Capital One with corporate greed, due to deceptive advertising and falsifying information. Also, their customer service personnel overseas, refer to themselves as either - or - from the -. How can that be when they are thous...

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Capital One Credit card apr or interest rate

February 7, 2016 - Capital One fails to send bills each month ( especially when there is no activity on the card for the month ). When they do n't receive payment on the bills they never sent, they claim you are past due and try to charge fees. This is a scam to increase fees and interest for consumers who always pay bills ( that they are actually sent ) on time. ...

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Capital One Credit card apr or interest rate

February 4, 2016 - I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was - or -. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balan...

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Capital One Credit card apr or interest rate

January 26, 2016 - Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm - causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other - banks I do business with got a program right away for me and almost don...

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Capital One Credit card apr or interest rate

January 26, 2016 - hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of - I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to - per I need your help they are using my B.K and are robbing me ...

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Capital One Credit card apr or interest rate

January 24, 2016 - Capital One has engaged in false business practices, which constitutes fraud. They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their - credit card rate is much higher than : -, -, and -. Therefore I feel they are guilty of deceptive business practices and corporate greed. Also, I have been waiting for them to send me their version of a chip credit card, since - of 2015. Why are they so neglectful in taking care of their aforementioned client? ...

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Capital One Credit card apr or interest rate

January 14, 2016 - Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many, many years the interest rate hovered around the 17 % mark, adding almost - - dollars in interest to the balance each month. After signing onto the account today, I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it, I get the same response? I ca n't express my extrem...

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Capital One Credit card apr or interest rate

January 12, 2016 - Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. Further, th...

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Capital One Credit card apr or interest rate

January 6, 2016 - The interest rates are ridiculous. I contacted them today and the can not offer any reasonable rates. I can consolidate, but do n't want to damage my credit. ...

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Capital One Credit card apr or interest rate

December 31, 2015 - I currently have a credit card account with Capital One, and the have increased my APR to a whopping -!! This practice is another example of a finance company running amock with corporate greed and consumer fraud. Capital One claims they offer competitive rates. Not so, because - only charges me an APR rate of only 9.99 %! Hence, the are guilty of false advertising and other unethical business practices. Recently, I filled out an extremely negative customer survey report. -, from Marketing and Research, called me while I was taking my car to a body shop for a damaged car estimate. She...

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Capital One Credit card apr or interest rate

December 21, 2015 - I am having this Lord & Taylor for years never missed a single payment on it I was the one who closed the account on my own, I keep on making my payments but my balance is just the same they charge me over 25 % APR this is not fair play, Please help me, Thank you ...

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Capital One Credit card apr or interest rate

December 16, 2015 - I called capital one concerning a payment that I would be late on. I was told that everything would be fine and not to worry about anything. I made the payment seven days later and according to the conversation I had with the representative online, the fee was waived and my minim payment would not change. I checked online once the new billing cycle was out and I noticed my minimum payment has risen from - to - for - card and - to - for the other. I contacted the online chat and was told to call into Capital One. I called in and was told that there was no record of this conversat...

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Capital One Credit card apr or interest rate

December 9, 2015 - I 've had - accounts with capital one since roughly -. I had - of the same product for a long time. Yesterday, - - - I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get - miles for every dollar spent. I thought this was great and decided to close my other - accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get - miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months ...

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Capital One Credit card apr or interest rate

December 4, 2015 - On -/-/- I received a letter from Capital One regarding my concerns with my APR on my credit card account. I do not agree with the APR because it is still very expensive. I have a minimum payment that is less than the APR % which does n't do any good when I pay my bill. I have asked for a lower APR rate so that I can pay my card off in - 2016. Capital One has continued to deny the decrease in the APR and my fees are the card are large which makes it hard to pay down the card. I have called Capital One several times and got the run around from different representatives. I was supposed t...

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Capital One Credit card apr or interest rate

November 30, 2015 - I have requested a lower APR from Capital One three times and continue to be turned down. Capital One continues to keep me at what is considered a penalty rate. ...

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Capital One Credit card apr or interest rate

November 18, 2015 - I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it. ...

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Capital One Credit card apr or interest rate

November 15, 2015 - I contacted Capital One -/-/15 to ask when my promotional 0.0 % APR was scheduled to expire. - informed that it would expire on -/-/15, which was two days prior. I was surprised to hear this, because my -/-/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement. ...

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Capital One Credit card apr or interest rate

November 5, 2015 - It has become more apparent that Capital-one could not provide a cogent reason why i got the short end of the stick '' interns of - on my credit card, This conclusion perhaps based on their response, and the conversation with " - - '' an incompetent CAPONE rep. who said in our earlier conversation that, the reason for APR hike is on my account primarily based on my credit worthiness, but after refuting this claim by pointing out to her that my credit scored " A '', that this information on my credit is available on CREDIT TRACKER '' which is being offered by CAPONE.. she then say thei...

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Capital One Credit card apr or interest rate

November 3, 2015 - I have had the account with Capital One for more than 10 years. I always pay on time and more than the amount due. It is business card. This past year I was late twice - inadvertently - I called as soon as I realized it and paid up, again more than was due. Capital One has raised my rate from 6 % to 24 % due to late bills in the past year. I tried to get them to see I was a good customer for a long time, but I was told " If you are late twice, we have the right to raise your rate, and we do n't have to take into consideration if you are good customer or not. '' I was told that they could reduc...

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Capital One Credit card apr or interest rate

October 27, 2015 - Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers ...

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Capital One Credit card apr or interest rate

October 22, 2015 - I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the - - holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost $600.00 per month and I ca n't afford this...

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Capital One Credit card apr or interest rate

October 19, 2015 - Capital One raised the rate on my card with a penalty APR based on - late payments within 1 year.They however showed the late payment posted on the - 2015 statement as activity that took place during that month. Payment made - -, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate...

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Capital One Credit card apr or interest rate

September 14, 2015 - This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is - to 21.00 %. I spoke with - - the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay - a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from - from which the a...

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Capital One Credit card apr or interest rate

September 13, 2015 - In - of 2013 I applied for a Sony '' card with Capital One after watching the TV show -. I was going to have a - in up coming - and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. My first several payments were substantial, and they almost immediately raised my credit limit from $500.00 to $3500.00 within two or three months of my making payments well over the minimum. Now I live on a fixed income and this card was tempting to have because many months I have to resort...

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Capital One Credit card apr or interest rate

July 15, 2015 - My Capital credit card account my payment went over - from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances. ...

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Capital One Credit card apr or interest rate

July 10, 2015 - Capital One Credit Card company exaggerated and inflated interest rate. I opened this account since 2008 and closed a couple years ago and still at -. The account has never decreased in interest rates and faithful pay the account. I have compared balances in order credit card companies like - and Orchard Bank and they have been paid in 5 years with a similar high balance of $1000.00. I suspect this company is violating to inflate charges and fees so people can never get out of debt from Capital One Credit Card.Other companies like many banks will post your payment by midnight on the du...

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Capital One Credit card apr or interest rate

July 10, 2015 - We have been a customer of Capital One for many years. My - mother has been responsible for paying certain bills to allow her to remain financially independent ; however, her memory has been an issue of late, and I noticed that the Capital One bill was not paid timely. As soon as I saw this I paid the amount due of - ( -/-/15 ). I reviewed to see why the payment was so high, as we do not use the card much and the minimum payments are normally -. Due to the missed payment for - and -, Capital One increased our interest rate from 4.92 % to 29.40 %, effectively increasing the...

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Capital One Credit card apr or interest rate

July 4, 2015 - Capital One changed the interest rate on my credit card account from 0 % to 12.90 % APR without any notification that this change was taking place. As a result, I had no time to remit payment in full on my account prior to the interest charges beginning to accrue. ...

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Capital One Credit card apr or interest rate

July 3, 2015 - I have a of Capital One 's Sparks Business Card that I took out in -/-/- after I began my financial practice. My business closed shortly have the -/-/- crash but I chose not to claim bankruptcy, but instead try to manage the huge debt that I accumulated. I have been nursing a $14000.00 balance on the card and up until just recently have used the card regularly. On - -, -, I contacted Capital One 's call center due to a cash flow difficulty because my next pay period was falling on the -/-/- and my payment date was the -/-/-. The representative was very nice but h...

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Capital One Credit card apr or interest rate

June 25, 2015 - I have called Capital One asking for an APR interest rate reduction and they have stated that my current rate at 20.9 % is the lowest rate. However the Capital One APR range shows as 12.9 % -22.9 % variable APR. I have other credit cards at 13.99 % rate. I am submitting a complaint because no one at Capital One seems to understand the lower APR due to the law. ...

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Capital One Credit card apr or interest rate

June 9, 2015 - I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand. ...

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Capital One Credit card apr or interest rate

June 6, 2015 - Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the - day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!! ...

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Capital One Credit card apr or interest rate

May 27, 2015 - Capital One is constantly misleading consumers about low-interest promotions. As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the impression '' that higher rates w...

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Capital One Credit card apr or interest rate

May 4, 2015 - I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate? ...

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