Hey everyone,
I've been lurking for months now but only just joined. Already you have no idea how much this forum has helped me better understand my credit! So, thanks! 
I have a question tho - my longest and favorite CC is a Citicard I got back in 2005 as a student with no credit (it's a college card). I had a baddie on my CR that I wasn't aware of until semi-recently which was from a medical bill when I was 15. I've since disputed and had it removed. Also attributing to my very high rate is the fact that I was 2 days late back in 2006 (re: new to credit and just managing my finances for the first time 
). Anyways, it was never put on my CR and I've had a perfect payment history since then, and since my baddie was removed my scores bounced from the high 500's to 704/706/726. 3 months ago I asked for my first CLI and was approved, moving me from 1800 to 3800, and then I just saw the button reappear and was instantly given another increase to $5,300 (soft pull).
Buuuut, my APR is 19.990%. I rarely carry more than a couple hundred month to month, so I'm not generally too worried about the high rate, but my question is - a) should I be? (like I said, I'm new to the game so I may not realize all the implications), and b) do I even stand a chance to have the APR decreased (ie: is it even worth the phone call?). It would seem to me that they wouldn't bother decreasing an APR if they don't have to, but perhaps I'm wrong?
Thanks ahead of time for any opinions/advice! 
Well then I'm very glad I've asked here first. So in your opinion, the rate isn't high enough to be worth the risk? Others agree?
So in your opinion, the rate isn't high enough to be worth the risk? Others agree?
I never like the idea of sticking my head up out of the trench, just to get it shot off.
Ideally, you'll learn to regard the rate as irrelevant. Just don't carry a balance! If all you carry every now and then is a couple of hundred, I'd put $250 in savings and use it to help pay off your card when your balance is bigger than you can comfortably handle.
The name of the game these days in credit land is flying under the radar. Let someone else draw their attention!
Ideally, you'll learn to regard the rate as irrelevant. Just don't carry a balance! If all you carry every now and then is a couple of hundred, I'd put $250 in savings and use it to help pay off your card when your balance is bigger than you can comfortably handle.
The name of the game these days in credit land is flying under the radar. Let someone else draw their attention!
