I'm thinking about using that card for personal spending. the high apr would surely encourage me to not carry a balance.
me and the wife got balance we are seriously working on. we had it all figured out to be debt free in 12 months and then the a/c and water heater broke....$8500 gone in a couple of weeks. credits scores dropped because of opening new account and loading up balances. we are past 30% for sure on DU
