I highly recommend everyone avoid Advanta, since they are currently charging 37% apr for no good reason. Their phone reps could care less and are not at all helpful if you call to protest. Where do they get off charging this rate when the Feds have lowered rates several times recently? Is there not a maximum rate these guys are allowed to charge? We have been paying our bills on time for the most part and not commited any other infractions that we are aware of. Very frustrating & discouraging for small business owners!