Should i sign up for this credit card?

should i sign up for this credit card?

How did you manage to find the worst credit card I've ever seen? Is this that credit one card people get instead of capital one on accident?

>36% interest
>$12 monthly fee
>$79 anual fee

This is some kind of scam meant for niggers who can't read, right?

lemme guess
Credit one?

Nah "Premier One"

I dunno why they keep spamming me with these every few weeks lol

It's terrible OP. Throw it in the trash.

You can get a secured card with cap one and it will be much better. Still not great but after you build your credit you can get better cards in a few months time.

This is some Native American Western Sky tier shit

idk why governments don't just issue their own credit cards at half the interest, be a good earner for them

>Credit Limit Increase Fee
The actual fuck?

No. Don't get this.

You clearly are not in a situation where you should have a CC.

I actually have a decent credit score now, last year it was a wreck though from years of falling for my parent's "Let us build your credit" meme.

That's probably why they're still sending me this shit, maybe based off a old soft pull or something.

If you had to ask... esp for that sort of offer then no you aren't in a place where you should have a CC.

what in the fuck LOL

I wasn't actually being serious lol.

Is the credit limit 100k? Then yes!

>Your initial credit will be $548

HA HA HA

It's meant for people with shit credit. If you're a terrible risk and don't pay your bills on time, it's this or the highway if you insist on borrowing. Not their fault. They provide a service.

Your credit didn't go from destroyed to good in one year. You need to do some more homework my friend.

I noticed that when my credit score tanked for a couple of months (put more utilization on a 0% card to free up cash), I started getting offers like these. They are trying to trap desperate/stupid people.

I am stupid when it comes to this stuff and this seems like a good thread to sort this out.

When it comes to paying off credit card bills, are these the correct outcomes to the types of ways you can pay?

Current Balance: no interest charged, balance zeroed out

Statement Balance: no interest charged, balance possibility remaining (which is not good for credit utilization if it's a ton of money)

Minimum Payment: interest charged

Maybe not destroyed, but I didnt actually manage/use my own cards until I moved out last year. My parents forced me to open them a few years ago when I was a NEET, I just had blind faith in them and...they fucked me.

The main thing that was really killing my score was that my parents had high utilization on all my cards (like 80%+). I just made huge payments each month, slowly brought them all down to 0, and kept one at ~10% so it shows that I'm actually using my credit. My score slowly rose almost 200 points over the past year. My goal is to try to get over 800 within the next one-two years.

Your parents committed fraud and you're thinking... They fucked me?

Why the hell have you not taken any action and reported the fraud?

>36% APR
It's like a mobile payday loan lol