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19.8% APR high?

why would you care about the APR? Unless you're financial inept, APR rates are completly irrelevant.
 
Originally posted by: halik
why would you care about the APR? Unless you're financial inept, APR rates are completly irrelevant.
Click to expand...

Best response yet. Anyone who signs up for a credit card to buy something they can't afford is financially retarded. Why not just go to a bank and get a loan instead? Lower interest rate than any credit card (except for introductory credit card APRs). Credit cards are your friend if you can use them to your advantage, but you should never put anything on a credit card that you can't pay off when the statement comes.
 
Originally posted by: armstrda
Originally posted by: halik
why would you care about the APR? Unless you're financial inept, APR rates are completly irrelevant.
Click to expand...

Best response yet. Anyone who signs up for a credit card to buy something they can't afford is financially retarded. Why not just go to a bank and get a loan instead? Lower interest rate than any credit card (except for introductory credit card APRs). Credit cards are your friend if you can use them to your advantage, but you should never put anything on a credit card that you can't pay off when the statement comes.
Click to expand...

blasphemy, let him run up a nice high balance and pay the interest (preferably on a Citi/Chase card) -- that means more rewards for us 😉
 
Who cares? If you pay off the bill each month (as you should always do), you shouldn't have to worry about the APR. My Student Citi Dividend card has some ridiculous 18.5% APR on it, but I don't care since I pay my bill in full each month.
 
If you want your credit percentage and limits to go up

put all big purchases on your credit card (do not put food that cost $5.00 on there)
pay off all the big purchases when the bill comes

& stay away from capital one.
 
Originally posted by: armstrda
Originally posted by: halik
why would you care about the APR? Unless you're financial inept, APR rates are completly irrelevant.
Click to expand...

Best response yet. Anyone who signs up for a credit card to buy something they can't afford is financially retarded. Why not just go to a bank and get a loan instead? Lower interest rate than any credit card (except for introductory credit card APRs). Credit cards are your friend if you can use them to your advantage, but you should never put anything on a credit card that you can't pay off when the statement comes.
Click to expand...

Better yet...reward card ftw! Don't pay them money...make them pay YOU money.

http://chasefreedomnow.com/
 
its only high if you misuse your card. loans are for businesses houses and cars. CCs are for convenience. CC shouldnt be used to buy stuff you cant afford
 
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