<prompt> Human: Im currently trying to apply for a credit card on my current wells fargo account but im not sure if im reading this correctly. 19.99 APR for Purchases This is my first time trying to build credit and im a little confused, does this mean theyre gonna charge THAT much on purchases?  <response>: If you pay the full balance of what you owe every month before the due date, you will never pay interest.But lets say you spend 120 and only pay the minimum payment of 15. You pay 20 interest on the remaining 105, which is 21year, or 1.75month. 