@FicoScore626 wrote:$175 ANNUAL FEE??? Are you sure that's the annual fee and not the set-up fee? If that's the annual fee then I say HELL to the NO! I also say HELL to the NO to the $14.50 monthly fee. A 35.9% APR means that carrying a balance on that card will hurt. A lot.
I had the exact same reaction when I found that pre-offer letter sent to one of my family members, I shredded it before he saw it! 