@Duncanrr wrote:
Just got preselected offer from Home Depot. The apr is 25%. Really? No thanks
Well, good for you. Many people take credit that they don't need or can't use.
FWIW, half of my current CCs have higher APRs than 25%. That type of interest rate is the nature of the beast with store cards and rebuilder cards. If HD had special financing details of if you needed a TL for household emergencies, then this TL might be worth it post-rebuild. Otherwise, throwing it out was a good move.
(Edited "most" to "half", as 4 of 8 cards in my siggy have an APR >25%)
Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
