OH, OK, I thought it said 5%, with some conditions, I didn't realize exactly what those conditions were!
In a way I find it funny they give me a CLI every time I ask them, even though in the year and a half that I have had the card I have spent less than $500. I don't ask them often, just twice. I got an offer for a low balance transfer with no fee, so I thought hey why not. (It's not my debt, it's my nieces, so saving her some money, not me.) The offer is good until the balance transfer is paid off. Which I thought was kind of nice of them. So I figured since the 0.0% for 12 months is about to run out on the CapOne card, why not give the interest she will be paying to a much nicer company!
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
