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I need yall opinion. I was approved for this Citi CashReturns card with $1,600 CL and 20.99 APR. Should I close this card or keep it?
The card is being mailed home and I hate the APR so badly that makes me dont want to use the card but keep it for more available credit and credit line increase later..What do you think?
Hi Haulingthescoreup:
Yeah I feel the same, I should keep it for more available credit and for future credit increases. I sure dont and won't ever carry any balances. This is the highest APR cards in my wallet beside my Walmart Store card with $400 CL.
It looks like regardless if you have very good or excellent credit, the APR would still be over 16-20% nowadays. I have excellent credit on my Equifax CR (just mostly inquiries) and I felt so disappointed for having this 20.99% APR..