Quote:
	
	
		
			
				
					Originally Posted by  CAHEK
					 
				 
				20% APR and there is no such a monthly fee. 
 
Its just banks and retailers are being cheap and still use traditional credit cards instead of chip cards with PINs, or chip-and-PIN cards. 
			
		 | 
	
	
 So how do you use them on-line? Call your pin in? 
