Quote:
Originally Posted by kmpxx
I applied for my first credit card online and was approved after couple days. It was only $500 credit limit but couple months later I applied for another credit card that gave me $4000. I never had a secured card and I only use credit cards that give me points/cash back. Personally, I don't understand why people go for a card that's low in apr with no rewards since you can always call the company later and ask for an apr decrease.
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I'm sorry for my ignorance I've never had a credit card/bank account.. What do we benefit from the rewards program? What credit card do u use? And doesn't APR come in play only in case of loans and such? Or is that like an interest rate for credit cards or something? I'm a total noob when it comes to financing.. Thnx in advance for ur helpp and time:.