Interest fall on the amount of purchase only. That also only 1.5% and not 4%. If you take CASH thru the CREDIT CARD, then only the charges are high 4.5% cash advance fees CBQ charges. If you pay your monthly balance credit, before 15th of next month, then there will not be any interest charged. The Credit card shield charges newly they have introduced.... so better pay all the amount within the end of the same month, then no charges. CBQ or any bank make money from the poor customers like us and that also they dont tell us clearly anything about the charges when you open an account. All banks are after giving personal loan to you and later kill you with all the interest. So better dont take any credit cards from any bank.