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@Imperfectfuture wrote:
@darwin_wins wrote:
Why would the APR matter? Unless you are planning to carry a balance?Because, an unexpected emergency could come up. I am apping for mortgage, but if one of cats have emergency, or moi, it's nice to have short term interest at below 10.5%. JMHO.
Right, but many people here try to do it on every card, rather than just getting one (or OK, two) cards low for emergencies. So, IMO, a lot of this is more "because I can" rather than against any real need, just as the "padding utilization" justifications for CLIs get less plausible as total CL exceeds say $300K
@longtimelurker wrote:
@Imperfectfuture wrote:
@darwin_wins wrote:
Why would the APR matter? Unless you are planning to carry a balance?Because, an unexpected emergency could come up. I am apping for mortgage, but if one of cats have emergency, or moi, it's nice to have short term interest at below 10.5%. JMHO.
Right, but many people here try to do it on every card, rather than just getting one (or OK, two) cards low for emergencies. So, IMO, a lot of this is more "because I can" rather than against any real need, just as the "padding utilization" justifications for CLIs get less plausible as total CL exceeds say $300K
Getting an APR reduction is an allowable activity during gardening, ergo, a useful time sink for itchy app fingers
@Anonymous wrote:
I remember when OP asked about choosing between Discover and Amex and I said good words about Discover customer service and now I feel really bad.
Sorry for your bad experience.
The way I see it, it does not matter much if you do not want to carry a balance and just pay in full every month. Low APR sure feel nice but at least my goal is to not pay a dime to them on the interest.
No need to feel bad at all. I wanted to get as much feedback as possible with both companies and it just went a little whacky with Discover. All will be fine and I'll work getting the APR down much lower in a year or so. Until then, I'll be paying it in full anyways!
my last two amex cards have been 22.24 & 23.24