professional procrastinator. computer enjoyer. 1-800-didge.
Wonder if it's worth going in person to try and see if I can get a better APR on a credit card or if I should just take what they give me? I've seen "varying" a few times now and 30% seems insane imo. At most I'll slowly be using this to get a credit record.
Funny thing about all this is that growing up I was taught that you don't want to have a credit card. Basically it led to companies getting their hooks in you and staying in debt forever.
Try showing up in person, yeah. That, and look around as thoroughly as you reasonably can, to make sure you're getting the best/least worst rate you can get approved for.
Also: if you feel comfortable with a higher credit limit, that can be helpful for improving your credit score faster. A card that you use occasionally, keep at a low utilisation (like, 30%-ish or less), and pay off as quickly as possible is regarded as ~a good sign~ by credit reporting agencies.
Yeah the one I'm looking at is right at 30, but I'm not big on huge purchases if I don't have to. A coworker said they just use their's for gas and food but I forgot to ask about their specifics/APR.
It probably depends a lot on their credit score! The range of interest rates out there is pretty wide.
