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chrismw wrote:
i'm new to myfico and the forums, so just want to say hello to everyone out there. been reading many posts, and i've gained a lot of valuable info from all your insights and experiences. i have CCs with very good apr rates - a chase plat. mc with 6.99% (after 0% for 1 yr) and a merrill+ with 9.99%. the other day, i opened a bank acct. at chase and without even applying for a cc, i received a chase freedom plus in the mail. i was going to bring this up with my banker, because i was a little irked about a possible inquiry that i didn't even give approval for, but after looking over the extensive rewards program and an $11K CL, i decided to just activate the card. the apr on this card is 14.99%. is this too high a rate just to get on a rewards program? i could have taken an amex blue sky offer instead (9.99%/0% first yr), but after reading many posts about issues with amex revolving accts, i decided against it. thanks for any responses. 9/26/08: TU - 744 EQ - 758 EX - 771