Old Apr 24, 14, 8:55 am
  #269  
brc01
 
Join Date: Dec 2009
Location: DEN
Posts: 296
Originally Posted by skibum7732 View Post
If you are concerned about the APR on a cc, then you should not be in this game until you get your finances/debt under control...its costing you more in interest than you are earning in rewards if you carry a balance. Almost everyone here (everyone doing it correctly), never carries a balance on any cc.
Never carry a balance, what I meant is it's annoying to have high APR cards that will never ever get re-priced to better APR terms (i.e. Chase). Yes, I know it ultimately doesn't matter since I pay in full and never paid a single penny in interest to Chase. It's just the principle or peace of mind aspect.

With 2% utilization, there's nothing left to "fix" except APRs. Which again, I know are pretty much pointless since I always pay in full.
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