I personally have Barclay Ring which is 8 . 25 %. I figured it be nice to have in case 0 % interest cards disappear like in the last recession . If you have credit cards already you could probably lower Apr . It is not unheard of Amex or Discover credit cards with 7 % interest rate <| sep |> All of my serious relationships have involved sex on the first or second date . <| sep |> Yeah the 12 hour window they give you should be ample time to make sure you take the day off of work so you don ' t miss your package <| sep |> The story has been picked up by multiple news outlets including the BBC . Get better at shilling you ' ve been doing it for over a year <| sep |> And no one can do it because gagging trump would raise the troll concern . He ' s not so much masterminded this as he has been evolutionarily produced to act as a chameleon whose welcomed into the sheep so he can slaughter the weak . Then all the sheep are like , oh , he ' ll probably stop once he ' s got the weak . Anyway , i think it ' s been proven that he doesn ' t need intelligence to adapt to the social media landscape of concern trolling .