Do you consider interest rate when applying for a card/have you ever been in credit card debt?

[markhs777]

---

@alexsmith wrote:

My philosophy towards credit cards is that it’s a tool for me to get a 3% to 5% discount on everything I buy. I have never been in credit card debt.

---

Technically as soon  as you make a charge you're in credit card debt. Obviously if you don't PIF  certainly consider the APR but if you always do then who cares.

[ptatohed]

I don't concern myself with APR.  No, I have never been in CC debt.  I PIF every card every month.  Auto pay set for full payment. 

I do like to see where I fall in their range of APRs after a new approval.  I take it as a compliment if I am toward the lower end of the range.

I said this in another thread recently that I actually like to see high APRs.  This tells me that the issuer is going to make some good money off of the other people who will help subsidize the rewards I am getting from the issuer and, hopefully, secure that the rewards won't be nerfed.    

[galahad15]

Yes, I very much care about the go-to interest rate when I apply for a card (the lower, the better).  As a result of me apping over the years for low-APR cards, I have 5 cards with fixed interest rates that are below 10% F in my current collection of credit cards, all of which I am immensely pleased with, in my own humble experience.

I know that many others here on the forum may have a different POV, and will say that APR doesn't matter at all, but by the same token of varying opinions on the matter, I am likewise allowed to have my own POV on the issue as well.