<prompt> Human: So my girlfriend told me that her APR on her amazon card is 3.97 percent or something like that and my APR on a decent card from capital one that I just got is 22 percent after 12mos right now its zero. So my question today is am i getting duped by the credit card company? Also any tips for credit cards would be appreciated since this is my first one I want to not fuck it up.  <response>: Pay the balance in full each month and you dont pay any interest at all. Clearly, at 22 its not worth purchasing anything you cant pay off the card immediately. 