the balance by the time they got their interest out of it and it took forever to pay it off and at that point i promised myself i would never pay interest on a credit card again so that's kind of been my motto
The interest rate on the balance was over twenty percent.  
mnli hypothesis: The interest rate on the balance was over twenty percent.   premise: the balance by the time they got their interest out of it and it took forever to pay it off and at that point i promised myself i would never pay interest on a credit card again so that's kind of been my motto