Quote:
Originally Posted by Radiance
Those interests are ridiculous, keeping for now in case of a world crisis emergency or something.
When my credit recovers I plan to get better ones to replace those.
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There is no reason to replace them. The interest rate is absolutely irrelevant because you will NEVER AGAIN use a credit card to make a purchase that you can't afford to pay for IN FULL when the bill comes.
I have no idea what the rates are on my credit cards and I use a CC almost daily for something. We charged over $40,000 to our cards last year but every bill was paid in full each month so I couldn't care less what the interest rate is. It could be 300% and it wouldn't bother me a bit.