As Bz said probably your only other options besides the credit card would be a home equity loan or a home equity line of credit. Both of these use your house as collateral. The good news is that the interest on these loans might be tax deductible. The bad news is that it puts your house up as collateral and these types of loans are harder to get now than they were a few years ago.

Oh and as an also and besides, I would never do business with a bank that wasn't up front about interest rates.

JHAP
~~~~~~~~~~
"My mind is a raging torrent, flooded with rivulets of thought cascading into a waterfall of creative alternatives."
...Hedley Lamarr (that's Hedley not Hedy)